option 1:
life assurance reduces roughly in line with mortgage,
Cheapest
option 2:
life assurance stays level throughout,
(don't see the point, if you only want to cover mort, if you want extra, get it when you need it)
option 3:
indexation,
cover increases annually by X % something around inflation. (note: your payments go up too)
option 4:
conversion option.
they're saying when the term is up, you can take another policy, and they'll quote you as if you're healthy, even if you've become sick.
check for a quick quote, although do shop around.
no connection.
go into mortgage protection section, select cover, term, age, smoker, then next page click mort policy.