If you fall behind with your mortgage repayments and cannot repay debt, you could end up losing your home. That's why Council of Mortgage Lenders encourages all mortgage borrowers to consider taking out mortgage payment protection insurance - also known as accident, sickness and unemployment (ASU) cover.

This type of protection will help you to cover your mortgage repayments and any associated insurance premiums for up to a year if you are unable to work due to unemployment, accident, or sickness.

- You choose amount of cover you need per month

- You choose type and level of cover required

- You choose how long you want to wait before claims are paid

- You pay a low monthly premium

- The policy pays a fixed monthly benefit for up to 12 months if you are unable to work due to accident, sickness, or unemployment.

You will normally be able to make a claim if:

- you have lost your job in circumstances beyond your control - e.g. redundancy - and are registered as unemployed, or

- you are unable to work due to a disability/illness and you are under regular care of a doctor or consultant.

For more information on protecting your mortgage repayments, visit UK Mortgages & Remortgages website.

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Copyright 2004 David Miles. You are welcome to reproduce this article on your website, so long as it is published "as is" (unedited) and with author's bio paragraph (resource box) and copyright information included. In addition, all links to external websites must be left in place.

What is problem in board room? What is so wrong that leading business experts have issued such broad condemnations of way that boards function over several decades?

Carver says, "The problem is not that a group or an individual occasionally slips into poor practice, but that intelligent, caring individuals regularly exhibit procedures of governance that are so deeply flawed. On a regular basis, major program issues go unresolved while boards spend enormous amounts of time and energy on details that do not impact central issues."

For instance, a national survey a decade or so ago found that almost half of America's school boards made purchasing decisions for tape recorders, cameras, and television sets. Nothing against school boards in particular, but point is that those who are charged with responsibility for strategic position of an organization are ordinarily mired in administrative details, with no time or vision for strategic concerns. The strategic position and decisions necessary to advance that position cannot even be seen from field of such administrative minutia.

This series of articles will point to ordinary situations that suggest board or directors ineptitude, and need to discuss Carver's insights and proposed solutions to many of common problems that negatively impact economic development of businesses, institutions and governments. Could it be that businesses, institutions and governments are crippled by their organizational structures? Carver believes that they are, and proposes a practical solution.