Dear Sirs,

I live in Spain and have a mortgage, I have a life insurance policy which was taken out at the same time as the mortgage. Do I have to have this life insurance? I live in an apartment and I pay community charges every year which includes building insurance. Again, at the same time as I took out a mortgage, I have been paying a building insurance. Should I be paying this?
Your help in this matter would be appreciated. Thank you
Pierina Short