Andrew and Kate, both 33, are married with two children aged 6 and 2
Between them, they earn £49,000 a year. They spend about £850 a month on their mortgage, and about £1,000 a month on living expenses.
In case anything happened which meant they were no longer around or couldn't work due to a critical illness, they want the security of knowing that they'd have enough money to at least still pay their mortgage.
As non-smokers, for a sum assured of £150,000 over 25 years, a joint Decreasing Life insurance plan would cost £18 a month.
To add Critical Illness to their plan of the same sum assured would cost an extra £59 a month.
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