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what should i be paying?

hi.. we have been quoted around £40/month for a joint life insurance with critical illness(with some special provisions)... my question is, and maybe a dumb question to ask... but il ask it anyway as i dont seem to have it clear in my head... it seems i will be excluded from critical illness if its caused by or results from TPD - 'total permanent disablement' but i will be covered for everything else?

could anybody explain this alittle? and is the quote about right?
I dont owe nothing, I own everything I have... dont do buy now pay later, dont do credit cards, dont do loans...
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