Also Toots, work life cover may cease, you may want to consider owning a life policy on H life. Look at a term policy preferably until H is 65 or 67. You should own this policy and pay the premiums, as long as H is a non smoker this will be inexpensive. Anyone with a mortgage or loans or children with a partner should consider this as a necessity. These can be bought from the Internet and the payout will be tax free if partner dies, they are usually inexpensive. The younger the life insured the cheaper.
I learned this the hard way, H1 had a policy on V, but of course it was H1 that died! This was because H1 was a student/untenured but V was working. V had no protection and the economics were tough.
V
Freedom is just another word for nothing left to loose. V 64, WAW
