Life insurance for mortgage protection can help provide funds to repay some or all of a remaining mortgage if you die during the policy term, reducing the risk to your dependants. Decreasing-term cover is often designed to broadly follow a repayment mortgage balance, while level-term cover may be considered where you also want to protect other financial needs. Critical illness cover is separate and may pay if you meet the policy’s specified medical definitions, but it is not automatically included. An FCA-authorised insurance provider can explain suitable options based on your mortgage, income and dependants.