Life Insurance through Mortgage broker - Is it a rip off?

ACG

dimbo61 said:

So why not use a comparison website and put your details in.
Level term, joint life insurance policy for at least your outstanding mortgage amount and covering you both till retirement age.
Ask for a policy which does not increase every few years.
We used a broker Cavendish and paid them £50 some years ago to do this and pay £24 a month for £120,000 joint cover till retirement. 

Im not being biased here, but I think the downside of not getting advice is that if it is wrong, you only have yoruself to blame rather than potentially a broker. 

As an example, some people think terminal illness benefit is the same as critical illness, others think waiver of premium is income protection and so on. 

If the premium looks too cheap (or expensive) there is probably a reason for that.