You need to check that the cover being offered by Click Life is identical to that which you currently have. Look at the Key Features / Quote they have given you and compare it to the policy you have. Check things like the term, lives insured, sum assured, whether level term or decreasing and critical illnesses covered - these all affect the premium. But before you cancel your old policy make sure you have been accepted for the new one. Oh and a word of advice when you complete the application tell them everything - even things that seem irrelevant cos if it comes to a claim (whether your dead or not) they WILL re-underwrite the policy and look for anything they can to avoid paying out. So tell them everything and make sure they properly underwrite the policy now.

I currently have two life assurance policies, one is a decreasing term policy related to my mortgage and the other is a critical illness cover. The total of both monthly premiums is about £90 and I am now in the process of reviewing as money is a bit tight. Click Life have offered me a policy for about one third of my current monthly premiums for the value of my mortgage that includes critical illness cover . I am 58 years old and wary about changing my policies at this stage of my life in case there's something I may miss, is there anything I should watch out for or does this seem like a reasonable offer?

Thanks