Ah yes, it is with Irish Life. Apologies, I declare it is useless because it will never pay out as we hadn't declared significant health issues (addictions) which were then declared on my last Standard Financial Statement review where I had to produce receipts for hospital bills, counselling and prescriptions. This led them to make me sign a waiver that they could share same information with appropriate PTSB entities. Very hard to comprehend the stupidity of not declaring but at the time it was a very sinister situation which I couldn't control and was just wanting to safeguard our family home. This is why I need to figure out if Pepper will take on board that husband won't have mortgage protection cover - can they make it difficult for me?