Do we have to take out life cover through our mortgage adviser?

They have recommended an insurance policy that costs more than we can afford

Q My husband and I are in the process of buying a property. We have agreed to get life cover for the money we feel we can afford, but have just received a recommendation from our mortgage adviser that is more than £120 higher than previously agreed.

Do we have to take the life insurance out with them? I know we have to buy their buildings insurance, but what about the life insurance? Please could you give me some advice on this. MW

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