Life Insurance And Critical Illness Cover

Mortgage protection insurance?
I have two insurance policies to protect the life of my mortgage, is critical illness and injuries, the other is payment protection. They are quite expensive, I'll be able to get a cheaper policy that covers me completely and no one can recommend. Given that it was very difficult to obtain insurance in the first place because of my age of 26 years at the time and occupation, the workers council.
Can not get life insurance? If you die, the product can be used by subsidiaries to pay the mortgage. /
