Mortgage protection & life cover
- Recurring
The short answer
Life, critical illness and income protection linked to the mortgage
- Price from
- £10.00
- Time on site
- 30 to 60 minutes
What you get
You get a personalised insurance policy that pays out a lump sum or regular income to cover your mortgage repayments if a specified unfortunate event occurs.
See your price and free times
Enter your postcode to see the cheapest price for Mortgage protection & life cover near you and the next available times.
When do you need a Mortgage protection & life cover?
It is essential to consider this insurance when taking out a mortgage, especially if you have dependants. It provides vital protection, ensuring your family isn't left with mortgage debt if you're unable to work or pass away.
What happens on the day
There is no physical 'on the day' visit from an insurer. You will have a phone consultation to discuss your needs and get quotes.
How to prepare
- Know your mortgage balance and remaining term.
- Have details of your and any joint applicant's health history.
- Consider your income and any existing savings.
- Think about who is financially dependent on you.
How to improve your result
- Maintain a healthy lifestyle to potentially lower premiums.
- Don't smoke; this significantly impacts life insurance costs.
- Be honest about your medical history to ensure validity of cover.
- Review your policy regularly as your life circumstances change.
Why it is useful day to day
Provides essential peace of mind, ensuring your family's home is secure and their financial future is protected should the unexpected happen.
Why we ask these questions
We ask about your age, health, lifestyle, occupation, mortgage amount, and term to accurately assess risk and determine appropriate cover. This information helps us find policies that offer the best protection at competitive rates for your specific circumstances.
Frequently asked questions
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