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Confused as to what I need

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Hi all,

It is my first time and first post here so I am hoping that I get some really helpful answers.

I am a 27 year old single non-smoking male and I brought a shared ownership property April last year. I have been putting it off for ages but I have now decided that I really ought to get some form of insurance on the mortgage.

What I am not sure is what it is I need. I would like the insurance to pay off my mortgage in the event of my death and also to pay out if I get a critical illness. In addition I would like some form of insurance against me being unable to work for a long period of time due to illness that is not critical (for example I work doing a lot of heavy lifting and whilst a bad back is not critical it could stop me working for months.)

Can someone please advise me what it is that I need, or do I need seperate policies for all of the above.

Thanks in advance.

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