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Am I paying too much?

Hi

Can I have some thoughts on my life insurance and if you think what I am paying is too much.

My husband and I are both 36 he smoke and I don't. I pay £161 per month in life insurance. Is this about right? Should one of us die whilst we have a mortgage then it gets paid off.

How do i go about changing this? Will I need to give evidence to the Bank for the change?

Sorry its all new to me!

Thanks very much
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