We sold our house last year and took out a new mortgage and a new life assurance on the new property. When we filled in the life assurance forms and submitted them all was ok for us both healthwise. Between the application and the issuing of the policy my husband had a heart attack. I am worried that our policy is now null and void because of non disclosure of this fact – (please don’t criticise - the whole thing was a mess and we just wanted to get into the new house – long story). My solicitor says that what matters is the application and if we told the truth (which we did) the policy should stand. . My broker says the policy is probably void. The wording of the policy itself is very vague. We are paying a substantial loading on the life assurance anyhow because of my husband’s age. It is costing €160 a month. We are thinking of remortgaging in my name only, extending the term and taking out a new policy for just me which would cost €30 a month. This would leave us an extra €500 a month disposable income. We are struggling at the moment to pay our mortgage after the interest hikes and can’t manage to save at all. It would of course mean I would have no cover if my husband passed away but the way things stand we are probably not covered anyhow if anything happened and paying out money on a useless policy. There would be a death benefit due from his job which would go some way to helping me should the worst happen. Sorry for the long post. Any views?