Life Assurance, Mortgage Insurance and Critical Illness etc.

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Can anyone point me towards a source of good information on the above.

Our mortgage advisor has suggested it is a good idea for our circumstances. He's provided a quote which seems expensive, but I've nothing to compare.

Also, I've had a lot of people tell me critical illness cover is a waste of time.

Any thoughts?

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Thanks, got your PM. Will reply soon.

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The product I've been offered is mortgage insurance for death and critical illness. So effectively, the amount it pays out decreases in line with the mortgage balance. I assume it was this, rather than life assurance, to keep the cost down??? I'll find out when I speak to him later in the week.