I have an ADP taken out with Zurich Insurance 20 years ago which finishes in 2012 when I am 65.

I have been informed that, in the current financial climate, the Sum Assured will be reduced from approx £180000 to approx £160000 if I maintain the same payments of £38.19 a month. To continue the same SA I would need to increase the monthly payments to £51.99.

I no longer have any outstanding mortgage or debts - the sum would just assist my wife should I die within the next 3 years!

I am not inclined to increase the payments. Could you advise whether, in your opinion:

(a) the policy reflects good value for money at the reduced SA

(b) if, as I am in good health and have just retired, whether there are more cost-effective policies which would provide additional support to my partner in the case of my death, for a period longer than 3 years.