I went through a broker for life insurance. There are so many, with various definitions that I wanted to be sure we'd be looked after. For example, a lot of trauma cover insurances have an "any occupation" clause. Which means if you're capable of doing ANY other occupation than the one you had, they won't pay out. Things like making sure it's OWN occupation etc made a difference to us.

I still havent got around to organising wills. TBH, I'm scared of being ripped off by solicitors. I should just get quotes *sigh*