Hi this is the name of an insurance policy we took out 20yrs ago when starting out in married life. I know nothing about it….except it’s reviewable/convertible & increases premium & cover by 5% each year. My husband also has some level of illness benefit (I didn’t qualify at the time). Mortgage finished 2 yrs ago. 4 dependants (2 at college & youngest 13yrs)). The premium is now €107 a month and cover is €477,593 on each life (I think). My question is do we require this level of cover now ….the premium is so expensive.