| anyone help with life insurance
I'm clueless about life insurance, but just had a baby so realise I have to think about it. Hubby and me have both worked out what we'd need, but are a bit worried about being 'conned' by financial planners etc. I read that term insurance is the basic and all that's necessary. How about critical illness etc? We don't own the house so mortgage insurance is not a factor right now. Also, i'm a Brit - can I apply to British companies though i'm living here, or is that a definite no-no?
Blah! Realised i've gone on a bit, but any advice would be great! | 
