My husband couldn’t get anything with his health problems, we have a company looking into some cover for him but will only cover half the mortgage and is 3 times more than I pay. We have a joint policy that will end in 3 yrs but it’s small, as we took it out when we had an endowment at that time. We haven’t a will, we do mention it just something we don’t get round to sorting. We must though with 3 kids and grandson, of nothing else to make things easier when that time comes.
my best mate just told me his mates FIL has died this eve of CV