My parents & brother took out a mortgage about 5/6 years ago to buy council house. My father is now terminally ill (@64) he has been unable to work for almost a year. My mother is now retired on contributory OAP. My mother told me that they have neither payment protection nor life assurance to cover either of my parents but that my brother has life insurance & payment protection. Bank have said to mam that no payment protection in place. I am going to revew their mortgage documents at the weekend to check what I have been told is correct. Does anyone know what min requirements of insurance/payment protection should have been required?