Hi wondered if anyone could offer any advice. We took out life insurance when we first purchased our property 15 years ago. It is for a fixed amount not reducing. When moved we have signed up for an additional insurance policy for the extra borrowing this time reducing. Both policies cost the same although about 60k difference in cover. Also both have critical insurance cover for both of us. I feel I need to look into whether they offer the right amount of cover. DP has 4 x salary cover, mine is really poor. I have looked a vitality insurance not sure whether to combine both and start again or just change the additional top up which looks like we could save £30 per month.