The protection insurance that most of us know about. It pays out if you die, and in most cases if you are diagnosed with a terminal illness.

It's a fact that most of us will have to come to terms with how we might cope if our partner dies unexpectedly, or how our dependants would cope if something happened to us.

It would be great to know that we'd done everything we could to minimise the financial impact. There might be a mortgage to be paid, or household bills to meet but no income to pay for them.

The right amount of Life Cover makes sure that, even though it will be an emotional and difficult time, all these things are taken care of if the person who is covered dies.

your choices

It goes without saying that the choices you make will depend on your own particular circumstances and rjfmortgages will help you make the right choice.

You can choose to have Life Cover paid in any of the following ways:

o         a level lump sum

o         an increasing lump sum 

o         a decreasing lump sum

o         a level monthly income

o         an increasing monthly income

And you can choose this cover for a single life or for joint lives as described below:

Single life can cover: Just yourself, just your partner or both you and your partner - (two potential payouts)

Joint life covers: Both you and your partner (one potential payout)

You can also add other covers to your plan to give you the right amount and type of cover for your own circumstances.

 critical illness cover

Cover for a wide range of conditions which are clearly defined from the start. If you are diagnosed with any of the defined illnesses or are totally and permanently disabled the cover will pay out.

With advances in medical care more and more people now survive illnesses once thought to be fatal. Many people will go on to lead a relatively normal life, but they may not enjoy the same mobility or good health that they did.

Often big changes have to be made and this can affect their ability to earn the salary they did before.

Critical Illness Cover provides you with a lump sum or a monthly income, making it easier to cope financially when you need to concentrate on getting well.

Critical Illness Cover can be taken out on its own as straight forward Critical Illness Cover or alternatively with life cover as Life or Critical Illness Cover.

your choices

It goes without saying that the choices you make will depend on your own particular circumstances.

You can choose to have Critical Illness Cover and Life or Critical Illness Cover paid in any of the following ways:

o         a level lump sum

o         an increasing lump sum

o         a decreasing lump sum

o         a level monthly income

o         an increasing monthly income

And you can choose this cover for a single life or joint lives:

Single life can cover: Just yourself, just your partner or both you and your partner - (two potential payouts)

Joint life covers: Both you and your partner (one potential payout)

You can also add other covers to your plan to give you the right amount and type of cover for your own circumstances.

ASU (accident, sickness and unemployment) cover

Also known as MRC (mortgage repayment cover)

Your mortgage is probably one of the biggest financial commitments you will ever make in your life. So it's important you are fully protected if the worst should happen.

Mortgage Repayments Cover (ASU)  is a cost-effective way to ensure that your mortgage repayments could be paid if you were to become unemployed, fell ill or had an accident.

The benefits are, peace of mind - you receive regular payments in the event of being unable to work as a result of accident, sickness or unemployment.

Generally you can choose to protect 100% or 133% of your monthly mortgage payments offering the flexibility to cover additional mortgage related expenses (e.g. home insurance).

rjfmortgages is an appointed representative of TenetLime ltd which is authorised and regulated by the financial services authority. Not all buy to let mortgages are regulated by the financial services authority. TenetLime Limited is entered on the FSA Register (www.fsa.gov.uk/register) under reference 311266