We currently have joint cover on 2 business bank loans and a personal loan.These were put on the loans as a lump sum for the term.
Due to our ages 65yrs and 66yrs all loans will be paid off by the time my husband reaches 70 which will be in October 2012.
Would we be better off looking at getting 1 policy to cover all loans?Or should we consider getting 2 separate policies?
I am a smoker in very good health.
My husband had a hip replacement 2 years ago and is due to have the other hip replaced anytime now (his pre assessment is next week).Other than that his general health is good,and he is a non smoker.
Any advice would be appreciated.

gtgrn