I hope the above link works. Please tell me if I'm reading it wrongly, but it does refer to running 3 miles in 15 minutes rather than walking it in 38? Wish I could run that fast, or walk that speed, sure a lot of you can.
MJ - typical bank I'm afraid, in that they're more bothered about making money out of you rather than advising you what's best. Life cover fine if you wanted to leave a property free of any debt to your next of kin, but as already said, you get death in service, and they're not teh most cost effective anyway.
Critical illness cover (CIC) pays out a lump sum if you're diagnosed with one of a list of critical illnesses and fit the definition. However, bottom line is that if you're off work long term ill, it could be another reason than a critical illness, so long term sickness cover, which pays out after a deferred period until retirement is the bottom line, followed by CIC if you want to afford it. Life & CIC combined can be cheaper than stand alone CIC, but as already pointed out above, best to get local IFA to look at this for you and get full recommendations after they've assessed your situation. Don't do it through teacher's assurance website. Nothing against them please note, but they only work with a few companies (Exeter for your income protection, a number of companies don't like teachers as you're a high risk for long term illness apparently!), get full independent advice.
Just come back from Playa Blanca. Don't know that there is a local club though, as mainly hotels/apartments on the front, with residential scattered further back. There were lots of runners and walkers around about 7/7.30am when I set out, so you won't be on your own anyway, and saw number of these coming out/returning to hotels along the way.
Thought it would have been good to have had more time though to explore, as looked to be plenty of off road routes as we were retuning to the airport and could have gone in car with a group. Would have thought Club La Santa would give you what you want, but completely wrong end of island!
Bought the Nexus 7 couple of weeks ago for OH, after Tesco let him loose without hassle to play around with the different tablets. He's dead pleased with it, and I'm chuffed also as he likes to read a lot in bed, and can do so now without the bedside light on which used to keep me awake.