Could you please recommend a Company that may be able to help with the above.

All the Companies that I contact want such large premiums. At the moment I have an AXA Sunlife policy at a rate of £21 per month, but if I was to die within the next 2 yrs would only get the premiums that I have paid back.

Are there any Companies out there that can help people like me, but without the catches.

Thanks