Mortgage Life Insurance

Mortgage Life Insurance gives you the peace of mind that your family will be financially protected should you die and leave an outstanding mortgage. This cover is also known as decreasing term life insurance and is designed to pay off the outstanding balance on a repayment mortgage or other loan.

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The key benefits of mortgage life insurance

  • You choose the amount of cover and how long you would like the policy to run for.
  • The amount of cover reduces each month during the policy term. It's calculated to equal how much is left to pay under a normal repayment mortgage.
  • If you die during the policy term your insurer will pay the calculated amount of cover at that time.

Can I set up a joint policy?

Setting up a joint policy with your partner is easy. The policy will cover both of you and the amount of cover will be paid out on the first death.

How long will my policy last for?

The policy will continue to run until such time as a claim has been paid or your mortgage has been paid off. Your policy will not have a cash value at any time.

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