Bright Grey have pretty good underwriting as well. They can also write the policy as '2 separate lives' so if you die, your partner can keep her cover too.

Adrian 

Thanks for that,didnt know they did lfie insurance,id be more inclined to go with them if as you say their underwriting is more sensible.

Plus bupa are more trustworthy than the likes of barclays and direct line.

Hello

I'm 25 and my good lady is also 25. We don't smoke and have only taken out life insurance not critical illness cover. I went to see Barclays and via Noriwch Union I pay £9.38 a month for a pay out covering my mortgage which is 143k.  

Im 23 and my wife is 24,no children,wife is a 10 day smoker.

Can anyone recomend a good insurer.

NO current health problems.