Thanks for that.

Simple answer- you have 2 small children and 15 years of the mortgage left. You are only paying it on decreasing increments so you're not covering anything over the odds. You have no crystal ball I presume? So the 'foreseeable future' isn't foreseeable at all- leave it running. And I'd take out extra accident cover if it was me. :)

Can anyone provide advice regarding the following. I have an outstanding mortgage of £45000 over 15 years. I currently have life and critical illness insurance for this sum (decreasing term). I am in good health. What I would like to know is if it is worth my while keeping this insurance or should I cancel as I do not foresee any health problems in the foreseeable future. I want however to ensure that my daughters are not left with any mortgage debt should anything unfortunate happen. My daughters are aged 5 and 1 respectively. Any advice appreciated. I have no other debts.

Thanks