For most people, a mortgage will be by far the largest debt they will ever have. Debts are passed on should the holder die and form part of their estate. There are many situations where mortgages that are passed on cause serious hardship for bereaved families. Any situation where a families ability to meet the debt are impaired by the death of a family member could have serious implications, for example the family may need to downsize to meet their obligations. A common way to avoid these situations is through mortgage protection, this is essentially life assurance that decreases in.