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This is how they get you mate. Don't be scared. LIVE ON THE EDGE.
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My wife and I took out life insurance and critical illness policies at the start of the year. We're both fit and healthy and in our mid-thirties. The cover means if anything happens the mortgage won't be an issue. It costs us less than £80 a month combined, insurance is a racket but it'll only get more expensive if we want to take it out later.
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Cazakstan
@Tenderloin
On the life insurance question (and maybe one for a different thread but interest has been piqued). I have two life policies through work both for 5 x salary (so does my wife). In general I dislike the insurance industry and am in agreement with Dov about it being essentially a fixed racket. That said I'm wondering if I shouldn't consider critical illness or something else, I'm fit and healthy and my wife's salary can pay mortgage and support us just about but yeah just in case I suppose