--- title: Family Income Benefit, Mortgage Paid, What Next? - Integritas description: As the primary provider for your family, you have many responsibilities. One of the most crucial ones is how to protect them in the unlikely event of your death. image: https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/blog/writing-1149962_1280-1080x675.jpg --- - [01283777014](tel:01283777014) - [enquiries@integritasfp.co.uk](mailto:enquiries@integritasfp.co.uk) [facebook-f icon](https://www.facebook.com/IntegritasFP) [linkedin-in icon](https://www.linkedin.com/company/integritas-financial-planners-ltd/) [REQUEST CONSULTATION](https://www.integritasfp.co.uk/book-a-meeting) [![integritaslogo](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/integritaslogo.png?width=510&height=82&name=integritaslogo.png "integritaslogo")](https://www.integritasfp.co.uk/) ![Vouched For Top Rated 2019 - 2024](https://www.integritasfp.co.uk/hs-fs/hubfs/Vouched%20For%20Top%20Rated%202019%20-%202024.png?width=762&height=162&name=Vouched%20For%20Top%20Rated%202019%20-%202024.png) ![Integritas-vouchedfor-badge](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/Integritas-vouchedfor-badge.webp) - [Home](https://www.integritasfp.co.uk) - [Our services](https://www.integritasfp.co.uk/services) - [Pension Advice](https://www.integritasfp.co.uk/services/pension-advice) - [Investment Advice](https://www.integritasfp.co.uk/services/investments/) - [Mortgage Advice](https://www.integritasfp.co.uk/services/mortgage-advice/) - [Protection](https://www.integritasfp.co.uk/services/protection/) - [Wills and Lasting Power of Attorney](https://www.integritasfp.co.uk/kinherit-partnership) - Why Integritas - [Why Integritas](https://www.integritasfp.co.uk/about-integritas) - [Meet the Team](https://www.integritasfp.co.uk/meet-the-team) - [Testimonials](https://www.integritasfp.co.uk/about-integritas/testimonials/) - [Sponsorship](https://www.integritasfp.co.uk/sponsorship/) - [Referral Incentive](https://www.integritasfp.co.uk/referral-incentive) - Resources - Client Agreement - [Terms and Conditions](https://www.integritasfp.co.uk/resources/client-agreement/) - [Services and Charges](https://www.integritasfp.co.uk/resources/client-agreement/-services-and-charges) - [10 Point Financial Checklist](https://www.integritasfp.co.uk/10-point-financial-checklist/) - [Protection Review Guide](https://www.integritasfp.co.uk/protection-review) - [A Guide To Pension Consolidation](https://www.integritasfp.co.uk/guide-to-pension-consolidation) - [Blog](https://www.integritasfp.co.uk/blog) - [Glossary](https://www.integritasfp.co.uk/glossary) - [Client Area](https://integritasfinplan.gb.pfp.net/) - [Contact Us](https://www.integritasfp.co.uk/contact-us) # Family Income Benefit, Mortgage Paid, What Next? Apr 1, 2021 | [0 comments](https://www.integritasfp.co.uk/blog/family-income-benefit-mortgage-paid-what-next#respond) ![Family Income Benefit, Mortgage Paid, What Next?](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/blog/writing-1149962_1280-1080x675.jpg) As the primary provider for your family, you have many responsibilities. One of the most crucial ones is how to protect them in the unlikely event of your death. If you currently have mortgage or family life insurance policies, you might feel like you have all that sorted out. You may not be right. **[Download Our Client Agreement Here](https://www.integritasfp.co.uk/resources/client-agreement/)** **Mortgage Life Insurance** If you have a family property that’s partly owned by the bank and is subject to monthly loan repayments, you likely have mortgage life insurance. This is useful as if you do die your family will receive a lump-sum to pay off the balance of the [mortgage.](https://www.integritasfp.co.uk/blog/why-should-you-use-a-mortgage-broker) That’s great, and it can serve that purpose; however, loan repayments aren’t the only financial obligations here. There are other conditions with this type of insurance that may lead to unexpected expenses. Additionally, there are ongoing costs like rates, power, phone and internet that aren’t covered. **Family Life Insurance** [Once the mortgage is paid off](https://www.integritasfp.co.uk/blog/the-secrets-behind-financial-success-in-later-life), other daily expenses need to be covered too. Apart from those mentioned above, there is food, transportation, and school fees, for example. This is where family life insurance comes in. Your family will get a lump-sum payment upon your death - determined by you - to help with these expenses. The challenge here is that this amount can be spent quite quickly without the proper advice, possibly leaving your family short of funds for the long-term. **Family Income Benefit** A lump sum amount to cover the mortgage is vital. An additional one for all other expenses may not be the best option. The sudden loss of a spouse or parent can be an emotionally challenging time for everyone. Having access to a considerable amount of money during this period can be problematic. That’s why you should consider family income benefit insurance. Unlike family life insurance, this type of coverage pays out a set amount each month, allowing for the easy payment of bills. The beauty of this is that your surviving family has a steady income stream that will continue to come in, for a set period. **Where To Get Help** To ensure your family is covered if you die, you have several choices to make, and these can be overwhelming. You really do need to understand all the options available to you. [The team at Integritas](https://www.integritasfp.co.uk/blog/7-mistakes-avoid-choosing-financial-planner) can guide you in the right direction with family protection advice. 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