However, it’s equally important to protect yourself and your family financially. Life Insurance, Income Protection, and Critical Illness Cover can ensure your mortgage and living costs are covered if the unexpected happens. Life Insurance covers your mortgage if you pass away; Income Protection supports you if you're unable to work due to illness or injury; Critical Illness pays a lump sum if you’re diagnosed with a serious illness. Speaking to an adviser can help identify exactly which policies you need based on your personal situation and budget.