The valuable benefits which the Policy provides will be shown on your Policy schedule. There may be one or more of the following:

Death Benefit
If you die during the Policy term this amount will be paid by your Policy and could be used to repay a mortgage loan, provide a financial comfort zone for your family or provide your family with the means to maintain their standard of living.

Critical Illness Benefit
If you are diagnosed with one of the critical illnesses covered, the Critical Illness Benefit will provide a lump sum which could be used to repay a mortgage loan, to pay for expensive medical treatment or provide the means to buy specialist equipment to aid recovery or to maintain an acceptable standard of living.

Mortgage Payment Protection Benefit
If you are unable to work due to sickness or accident, we will pay you a monthly benefit to help you meet your mortgage payments and or other financial commitments. This additional source of income is designed to help relieve the serious financial strain a sudden drop in income can put you and your family under.

Premium Protection Benefit
If you are unable to work due to sickness or accident, we will pay the Policy premiums for you until you are able to return to work.

Can I Change My Protection Benefits As My Circumstances Change?
		You can apply to change any of your protection benefits at any time.
		If you are moving house and require an increase in Death Benefit, you will usually be able to increase your cover. If you meet some basic criteria, this could be without further medical information. If you increase the period over which your mortgage is to be repaid, you may able to increase the term of this Policy, again usually without the need for further medical information.
		You may be able to add new protection benefits to an existing Policy.

What Happens If I Stop Paying Premiums?
Your protection benefits will cease. If you should then die or become ill, your mortgage may not be paid for and your home may be at risk.