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Mortgage cover - life/CI insurance...

I am rather confused...My husband and I wish to cover the repayment part of our morgage (43K). I think I understand the assurance side of things and am looking at quotes for decreasing term or level term.I am more confused about what to do with regard to what to choose: critical illness/permanent health insurance/??? I'm not sure what the differences are. I'm also concerned about getting a quote as these are based on limited information provided by me/us - is more detailed information required to produced a proper quote?
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