I think its a great idea when you have kids & want to secure their future.

i get cover from work for abt £300K so Jax would be fine - especially as i will be in aposition to pay off the mortgage in Jan

I have a prob though

If anything happen to Jax she wants her half of the house to go to her kids (my step kids) & not me.

I dont have a prob about them having what is rightfully theirs but would leave me up the creek if i had to find £250K at short notice
So will insure her life for £250K which will cover thier inheritance & leave me able to keep the house

The quotes i had were about £50-£60 per month
Yours sound a better deal
Who is insuring you ??