function checker(lifeins) {

if (lifeins.x_C1Forename.value == "") {
alert("Please enter your first name.");
lifeins.x_C1Forename.focus();
return false;
}
if (lifeins.x_C1Surname.value == "") {
alert("Please enter your last name.");
lifeins.x_C1Surname.focus();
return false;
}
if (lifeins.x_C1DOB_year.value == "") {
alert("Please state the year you were born.");
lifeins.x_C1DOB_year.focus();
return false;
}
if (lifeins.x_C1Email.value == "") {
alert("Please enter your email address.");
lifeins.x_C1Email.focus();
return false;
}
if (lifeins.x_C1HomeTel.value == "") {
alert("Please enter your home phone number.");
lifeins.x_C1HomeTel.focus();
return false;
}

	if(lifeins.x_Joint[1].checked) {
	if (lifeins.x_C2Forename.value == "") {
	alert("Please enter your partner\'s first name.");
	lifeins.x_C2Forename.focus();
	return false;
	}	  
	if (lifeins.x_C2Surname.value == "") {
	alert("Please enter your partner\'s last name.");
	lifeins.x_C2Surname.focus();
	return false;
	}
	if (lifeins.x_C2DOB_year.value == "") {
	alert("Please enter your partner\'s birth year.");
	lifeins.x_C2DOB_year.focus();
	return false;
	}
	}

if (lifeins.x_C1HouseNumber.value == "") {
alert("Please enter your house or flat number.");
lifeins.x_C1HouseNumber.focus();
return false;
}
if (lifeins.x_C1Street.value == "") {
alert("Please enter your full street name.");
lifeins.x_C1Street.focus();
return false;
}
if (lifeins.x_C1Town.value == "") {
alert("Please enter your home town.");
lifeins.x_C1Town.focus();
return false;
}
if (lifeins.x_C1Postcode.value == "") {
alert("Please enter your home postcode.");
lifeins.x_C1Postcode.focus();
return false;
}

if (lifeins.x_InsuranceType.value == "") {
alert("Please select the type of insurance you need.");
lifeins.x_InsuranceType.focus();
return false;
}
if (lifeins.x_CoverType.value == "") {
alert("Please select the type of cover you need.");
lifeins.x_CoverType.focus();
return false;
}
if (lifeins.x_CoverYears.value == "") {
alert("Please select how many years of cover you would like.");
lifeins.x_CoverYears.focus();
return false;
}
if (lifeins.x_CoverAmount.value == "") {
alert("Please select the amount of cover you would like.");
lifeins.x_CoverAmount.focus();
return false;
}

return true;
}