Re: Life Insurance
As a rule you'll always get it cheaper when you're younger. Get what you'd like to have now while you're young IE enough + luxuries. As you get older the value of money will decrease and that policy will probably just cover the essentials.
Then when you're older you can either change your policy or simply purchase a new policy to cover any luxuries you want.
These policies are not ISA's, have as many as you like, chop and change etc.
But now would be a good time to get a "big" payout policy in place.
The devils refugee, you're going to be blinded by the light that follows me.