Nobody likes to think about, let alone prepare for death or ill health. Unfortunately these are issues that have to be faced. Most of us will have to come to terms with how we might manage if our partner dies unexpectedly, or how our family might cope if something happened to us.

For your peace of mind, wouldn't it be great to know that you have done something to ease the financial impact on your family, especially if there's a mortgage to be paid, or household bills to meet but no regular income to pay for them?

We offer a comprehensive range of Life and Critical Illness Insurance for you and your family.

What is Life and Critical Illness cover?

Life Cover will pay out a lump sum if you die or are diagnosed with a terminal illness and are eligible to claim.

Critical Illness cover pays out a lump sum if you are diagnosed with a specified critical illness or terminal illness and are eligible to claim, or if you die.

Our Mortgage Protection Plan provided by Legal & General is designed to help repay your mortgage should you die or you are diagnosed with a terminal illness or (if selected) one of the specified critical illnesses. Click here for details.

With Mortgage Protection you can choose whether to benefit from the full range of cover available or simply choose the cover to suit you and your family's needs.

The Mortgage Related Products are:

Mortgage Term Assurance*: Level term life and terminal illness cover to help protect your home loan, with optional critical illness cover
Mortgage Decreasing Term Assurance: Decreasing term life cover and terminal illness cover to help protect your home loan, with optional critical illness cover

Key Benefits:

Critical Illness cover extending to 35 conditions including Total and Permanent Disability
Children covered automatically against critical illnesses
Terminal Illness cover included automatically for terms of 2 years or more
SmoothMove benefit (at no extra cost) which protects you in case of any emergency when you're moving home. SmoothMove will also cover you for up to three months for any domestic emergency repairs and legal advice after you have moved in. Inter Partner Assistance provide the SmoothMove plan

We aim to:

Provide the amount and type of cover you choose.
To pay a lump sum if, during the period of cover you die or become eligible for Terminal or (if selected), Critical Illness benefit.
To pay the lump sum if, during the period of cover, you become eligible for Terminal Illness benefit, where life expectancy is less than 12 months. (Not applicable for the last 18 months of the plan).
If you choose decreasing mortgage cover, the amount will reduce during the term roughly in line with your outstanding mortgage amount.

* Term Assurance pays a lump sum assured in the event of your death during the term of the plan. Full details are available in the Key Features document or you can ask your financial adviser.

This insurance is provided by Legal & General Assurance Society Limited via Yorkshire Bank, a trading name of Clydesdale Bank PLC. Registered No. SC001111. Registered Office: 30 St. Vincent Place, Glasgow, G1 2HL. Clydesdale Bank PLC is a member of the National Australia Group of companies.

Legal & General Assurance Society Limited, registered in England and Wales. Registered number 166055 Registered address: One Coleman Street, London, EC2R 5AA. Legal & General is a member of the Association of British Insurers.

Legal & General Assurance Society Limited and Clydesdale Bank PLC are authorised and regulated by the Financial Services Authority.