Owning your own home

I have life and critical illness cover on a decreasing sum term to cover the mortgage but I don't have kid(s), my wife just wouldn't be able to pay the mortgage on her own so we both have that cover. It wasn't a hard decision to take out the cover, let alone making the decision with dependants involved too

I'm in the process of sorting critical illness and life cover for us both. It's not that cheap (although not too dissimilar to tv/broadband I guess) but if they're ever needed then they're exactly the times when you don't want to be worrying about money.

Haven't bothered with redundancy cover as one of us could just about cover the mortgage for a while if we got rid of childcare costs.

My wife and I have enough life cover through work to reduce the mortgage to a level where the surviving partner can afford to keep going so we didn't feel the need for anything extra.

We have life and critical illness cover which I think is a fixed term, but definitely covers the mortgage. We took this out before children and the thinking was that we wouldn't want the other to sell should one of us die.

mortgage protection

We have a lump sum. When we bought we didn't have kids but were planning.

Our mortgage was £330, so we went for £300 as we figured the surviving spouse would be able to fund the short fall (if there was any). Plus iirc it brought the monthly payments to £27 which we thought was reasonable and at that price silly not to.

Didn't do critical illness because a few months before my OH had had a tingling in one toe (probably caused by walking to work in the wrong shoes) and went to the GP. The GP couldn't say what it was so classified it as undiagnosed, which meant they were uninsurable.