Just imagine a young mother or father for that matter, with elderly parents and two children under 5 trying to keep their life together while grieving for their husband or wife and paying off that mortgage. Then being told you'll get a little help for 18 months rather than until the youngest leaves school. OUCH! Looks like these unfortunate ones need advice more than most. Family Income Benefit life cover could help. Life cover to pay off the mortgage at least.