D
Hi
You said your dad is on the mortgage, so yes, he needs life cover. Wow €90 a month is so much of an unnecessary bill to pay!
Make sure it's a reducing term policy without specified illness cover - they're the cheapest. Some life companies won't let you change smoker status.. Irish Life won't change the smoker status for over 40s or for term policies - you would need to cancel your existing policy and take out a new one which may be more expensive.
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