A quick question, I took out life cover for a mortgage last year and paid one years premium up front. Since then I have paid off that mortgage and I assumed that when the year was up the life assurance company would have to come back to me with the option of paying a year up front again or going mothly, at which stage I could cancel the policy. However last week the company took a years premium out of my account (which was twice the first years premium) and said that it was up to me to tell them that I didn't want the policy anymore. I have no problem with getting caught out like this, it's my own fault for not telling them that I had paid off my mortgage but I would have expected them to contact me before taking out the money, or am I too naive? Thanks for any help.