I've changed my will so everything goes to our children.
Thanks for responding LD,
Basically it's an auto immune condition known as Seronegative hlab27 associated spondyloarthropathy-(still can't pronounce it after all these years!) a variant on rheumatoid arthritis. It affects my joints, (some of which have been replaced )and my eyes. The very expensive medication I'm on now stopped the disease progressing (just have damage from previous flare ups) but it does make me more prone to chest infections etc as my immune system is suppressed.
Hope this helps
Spoke to Aviva, There is no conversion option on the policy. When I spoke about assigning the policy to our children, they started talking about seeing a solicitor & creating a trust, but I persuaded them to send me their standard forms, so here's hoping the ex will sign them.
Thanks for all the help.
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