Life insurance isn't the easiest thing to talk about, but from just a few pounds a month you can help make sure that your family is financially looked after if the worst happened.

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Mortgage Payment Protection Insurance (MPPI) promises to make repayments on your mortgage (and other related expenditure like buildings insurance), in the event of accident, sickness or unemployment hitting your income.

There is no legal requirement to have MPPI, yet it's a profitable policy for lenders, and easy to sell. The emotional hit of 'peace of mind' and 'lose your home' in the same sentence, often leads borrowers to fall for the sales patter without checking policies' suitability.

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