Life insurance might not be the most exciting thing to spend your money on, but most of us reach a point in our lives when it becomes a sensible investment.

Managing your finances and buying insurance used to be dull as dishwater. There were only a handful of brands to choose from, they’d all been around forever, and you were hard-pressed to work out the difference between them all.

It’s no secret that mortgage providers can be a little inflexible. Naturally risk averse following past misadventures, anyone who can’t tick their specific, predefined boxes usually doesn’t get a look in.