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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.
aggi
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?