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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
jackbepablo
To those with a mortgage and children — am curious as to what proportion have mortgage protection and if not, was the decision not to take out the cover difficult?