let me elaborate/clear up some misunderstandings.
If my Joint life cover for £200k/£250K (I forget) is £35pm where are they getting £128 from
sounds vastly overpriced even including Critical Illness.
I'm taking a wild guess that your £200K life cover is 4 times earnings so why would you need as much as £25K a year taxfree when 2 of you can live off £50K of taxable earnings now? Did he say what incapacity benefits you would be entitled to if an event where to occur to be claimimg off any of these policies?