bit unsure need help please

stephjrowland

Hi,

I'm trying to tidy my finances up at the moment and clear my debt and am unsure of what I need insurance wise for my mortgage. I currently have a mortgage £135000 (with partner) with northern rock and have:

friends provident life or earlier critical illness (decreasing)=£24.28pm
norwich union mortgage linked life assurance =£28.86pm
payment shield disability and unemployment insurance =£45.36pm

I think this is quite alot to pay out a month (my mortgage adviser sorted it out and we were in a rush to buy) my question is do we need all this? If not what do I need?

any help would be great!

thanks Steph