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Novice MS-help needed on Life/critical illness cover

I am new to all this and am sitting surrounded by paper trying to work out what to do. Our mortgage is currently at £90k and we pay £96 per month to Abbey for decreasing term assurance with crit illness and life cover and another £29 to Abbey for Involuntary Unemployment cover. I know I am paying too much but dont know where to start to get a better quote. A lot of it is like a foreign language to me. Please help.
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