Faarn,
I am not sure if you are talking about the service 'PAX' insurance plan, if not then consider it; as not only does it provide good cover on you and the families lives, but critical illness can be added as well as cover being included whilst carrying out hazardous sports such as rock climbing or microlighting.
Note : It also comes directly from your pay packet so you aren't really even paying for it.....I Wish !
Look it up at least before you commit yourself to another.
CRPxGood
