Mortgage life insurance

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Hi, we have been overpaying our mortgage for a number of years - (currently around £15,000 in overpayments)
We have a decreasing term life insurance policy (with a different company) designed to pay off the mortgage should one of us die.
My query is - Would the overpayments we have made be included, or be refunded to us, as they were not part of the original loan amount insured ?
We have a decreasing term life insurance policy (with a different company) designed to pay off the mortgage should one of us die.
My query is - Would the overpayments we have made be included, or be refunded to us, as they were not part of the original loan amount insured ?
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e.g. If the outstanding mortgage without overpayments would have been £150,000 and is actually £130,000 due to overpayments, then the life assurance will still pay out £150,000.