The provision of life and health insurance is the foundation of responsible financial planning. Fortunately, there are a range of flexible insurances available to provide for ill health and death and in many cases premiums are not as expensive as you might imagine. The premiums charged for these types of insurance change frequently as different insurance companies become competitive on costs. Mortgage Minds can provide up-to-date illustrations using our 'on line' technology. The range of protection contracts is extensive. Assurance policies are available to repay both your mortgage liability and to meet your family's requirements on either your death, or the diagnosis of a critical illness.

Types of protection

• Income Protection
  Provides you with an income if you can't work because of an illness or an accident
• Critical Illness
  Pays you a lump sum payment if you can't work because of a critical illness
• Accident Sickness And Unemployment
  A cost-effective way of protecting your repayments if you become ill, have an accident or lose your job
• Unemployment Protection
  Protects your repayments if you lose your job

If you are unsure how much Protection you wish or need to effect, speak with one of our mortgage advisers.

Note: A successful application for Term Assurance, and the level of premium payable, will be subject to medical underwriting. Term Assurance does not accrue a surrender value.