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  JHG - there is 4 times the likelyhood that critical illness insurance will pay out than life assurance before the age of 65..... Please dont try to tell me about actuarial statistics on a subject that I deal with daily.
  
  You are competely off track and seem to suggest that nothing should be done to help people keep their homes for their families to inherit. Given the poor level of pension provision in this country, thanks to Brown's policies, a lot of people will need this added (though normally quite small on the scale of things) boost to their capital.
  
  You are not coming out with any sensible argument against this policy, its imaginitive, its violuntary, it is targetted at those who need this help most, it is at no cost to the taxpayer, it is socially beneficial and it helps ordinary families/beneficiaries. Win-win.
  
  You dont have to do it if you dont want it, let those who will benefit do so.
  
  Once again we see the ugly face of socialism, trying to deny people the right to pass on their property to their loved ones and look after themselves at the same time.

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