Thanks for your reply. We're 46 and 44, three children 18, 16 and 10 and 51/2 yrs of mortgage of E70,000. Policy is Complete Protection Provider with Life Cover (1st Death) E436,000. Double Cover CIB E98,000 and Hospital Cash E95.00. They have offered to reduce above by 41.50% with no hospital cash for the same cost per month E98.00 or increase to E185.00 per month and hold same cover. Should we just change policy altogether?? Really appreciate your help - great when you haven't a clue about all this.