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Can anyone beat Life assurance online?

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Martin's got these in his insurance discussion but has anyone found a chaeaper quote than theirs for Life,Critical or Decreasing Mortgage Insurance.The £35 policy charge does seem worth it.
I guess they do say they are the cheapest in the UK.

MoneyBack Mortgages is also mentioned in Martin's info but are a little more expensive but have a £30 policy charge.

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