I have recently been making enquiries with regard to remortgaging. In the course of my investigations I have discovered that a mortgage protection policy that I had taken out on a previous re-mortgage for €30k was loaded for medical reasons. The reason given was height/weight ratio. I am also a smoker (aged 32 at time of taking out policy). I have been loaded 75% for the life cover and 150% for the serious illness cover! Does this seem excessive? I have been advised by the insurance company that if I change my current mortgage lender I will have to cancel my first existing policy (which covers €111k currently) as it is a group policy attached to the lender I am currently with. I was also advised that the underwriters may not be willing to insure me at all if I am looking for a new policy for the total new mortgage (€160k) so I could be left with no cover and therefore would not be able to remortgage. Can anyone advise me as to the best way to approach this? Where can I find another policy if I do decide to change lender and is it going to cost me a fortune because of the previous loading?