on death rather than the property having to be sold to repay the outstanding debt. In addition, you can also take out family protection to cover the loss of earnings to give you extra peace of mind.

THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

The inability to repay a mortgage or maintain a lifestyle for you and/or your family may also occur should you become seriously ill. Critical illness cover will pay out a lump sum upon diagnosis of a specific illness, which can then be used to repay your mortgage, replace a valuable income, or support any other expenses such as long term care, subject to a valid claim.

THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT.

You can protect your income in the event of you not being able to work due to an accident, illness, or unemployment. Any of these circumstances could result in payments being missed which ultimately could lead to you losing your home. Our advisers will explain how income protection can be tailored to your individual circumstances such as ensuring the policy compliments the cover that may be provided by your employer, and/or budget restraints.

INCOME PROTECTION PLANS THAT HAVE NO INVESTMENT LINK HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF YOU STOP PAYING YOUR PREMIUMS YOUR COVER MAY END.

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