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Difference between permanent health insurance and mortgage protection???

Hello,

Can any kind person help me?? Hubbie is self-employed (electrician). We are buying a house - move friday and trying to sort the insurance bits out.

We have 3 sprogs- eldest is 8 - youngest 10 mths.

What is the difference between these two insurances????

We are looking for a policy that covers mortgage and living if he ever has an accident and is off work for a few months.

Do these policies only pay out for 6 mths and what would be the other things to look for??

Any advice would be lovely.
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