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Types of cover in plain English
Not sure which to tick? Here's what each one does.
Life insurance
Pays your family a lump sum if you die while the policy is running. They can use it however they need – to pay off the mortgage, cover the bills, or just keep life on track.
Mortgage protection
Life insurance set up to pay off your repayment mortgage if you die, so your family can stay in the home. The cover goes down as your mortgage does, which keeps the cost lower.
Critical illness cover
Pays you a lump sum if you're diagnosed with a serious illness covered by the policy, such as some cancers, a heart attack or a stroke. The illness has to meet the policy's definition, and less serious conditions may pay a smaller amount rather than the full sum.
Income protection
Pays you a monthly income if illness or injury stops you working. Payments start after a waiting period you choose and carry on until you're back at work or the policy ends.
Family income benefit
Life insurance that pays your family a monthly income, rather than one lump sum, from the claim until the policy ends. It's often cheaper than a lump-sum plan and easier to budget with.