A mortgage is the biggest financial commitment most of us will ever take on, and if for whatever reason you are unable to work, become critically ill or die, you or your family will still be expected to meet the mortgage payments.

Although if the worst were to happen the state will provide a very basic safety net - such as jobseekers allowance - benefits will not give you anywhere near enough money to pay for your mortgage and other living costs. So it makes sense to consider some form insurance to protect your mortgage.

There are a range of products on the market you can take out to give yourself peace of mind to help you meet your mortgage repayments. For example, if you were to become too ill to work and you couldn't pay your mortgage payments, your home may be repossessed!