As per your query you can use OSPF for both your requirements.But ospf will not loadbalance unequal coast paths. SO if you wnat to load balance through all lines you have to change the cost of all paths to same.( using ip ospf cost command).The seconed case failover, what I understand is if one line goes down the packets shoud reach the destination. That part ospf will automatically take care using spf algorithm.
You might also want to consider MLP (Multilink PPP)
Multilink PPP (MLP), as defined in RFC 1990, is a variant of PPP used to aggregate multiple WAN links into one logical channel for the transport of traffic. It enables the load-balancing of traffic from different links and allows some level of redundancy in case of a line failure on a single link.
Here is a link on the tech and some configuration examples:
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