Bank statement need to be produced on the same day you apply, I have provided them few days old statement, it was not accepted then I was asked to provide it again I produced one online in few minutes that was accepted
Digital download is the only viable option from your mobile app and make sure to download the latest on the same day you apply, if the statement is few days old, they will request up to date statement
No, you don’t have to have insurance and not recommended unless you are unhealthy or planning to take on very risky sports like high speed motorcycle rides.
The bank statement need to be very recent better to be the same day you apply. Most banks allow you to download your statement, current or savings makes no difference. If 6 months statement is available send it, there is no limit how old the funds need to be in your account, this is my understanding