Lincoln Financial Group has decided to ensure its mortgage products come wrapped in a comprehensive package of tax-efficient critical illness cover.

Its HomeBuyer Solutions product uses tax-favourable Individual Savings Account investments to cover against early death, serious illness or long-term disability.

There is also the option of accident, sickness and unemployment (ASU) cover.

Lincoln said HomeBuyer is a one stop shop that enables clients to arrange their mortgage and insurance protection under a single umbrella.