Thanks DrM, first thing I think I'll try to do is get my daughter to marry a dentist!!!
Yes, my gut is that the whole of life policy seems pretty expensive and is probably a cash cow for the lads. Interesting your point about comparing needs to when I would have taken out the policy - thank God I'm over the finishing line with my pair so it's not so critical to have such cover now.
I think I will take your advice and get some quotes for 10-15 year term cover.
Thanks again,
Roy