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Since 2006 we have helped 370,705 people compare Protection Insurance quotes.
Excellent (4.9)
We would love to do the same for you...
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Mortgage Protection Insurance
This provides monthly tax-free payments to cover your mortgage in the event that you cannot work due to injury, short or long-term sickness or disability.
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Mortgage Protection Insurance is a type of insurance that pays a sum of money every month to cover your mortgage and possibly other household expenses in the event that you are unable to work due to sickness or injury.
Premiums are paid monthly and the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the mortgage protection policy will pay out every month is limited to 65% of your monthly salary or income.
The Premiums are affected by various factors including the monthly sum insured, salary, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
A good way to reduce the cost of the premiums is to defer when the policy pays out after a claim is registered. It is worth considering whether your employer offers any sickness benefits or whether you have any savings to extend the deferment period.
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Mortgage Life Insurance
This provides a one-off tax-free lump-sum payment to settle your remaining mortgage balance in the event of your death during the fixed term of the policy.
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Mortgage Life Insurance protects families from financial hardship by paying out a one-off lump-sum if the policyholder dies during the term of the policy. The money can be used to pay off an outstanding mortgage, or other debts.
Premiums are paid monthly and the cover is set for the same duration as the current mortgage. A Decreasing Term Life Insurance policy is mainly used for a repayment mortgage where the sum insured reduces in line with the outstanding mortgage. A Level Term policy can be used for a repayment mortgage or an interest-only mortgage, where the sum insured remains the same as the outstanding mortgage debt.
The Premiums are affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
Insurers historically pay 99% of all life insurance claims - when they don’t pay out, it is usually because the policyholder was not truthful on their initial application about an existing health condition or a regular dangerous pursuit which led to their death. All insurers cover Covid-19 Coronavirus.
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Mortgage Life & Income Protection Insurance
This provides monthly tax-free payments to cover your mortgage in the event that you cannot work due to injury, short or long-term sickness or disability, and a lump-sum payment in the event of death during the fixed term of the policy.
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Mortgage Protection with Life Insurance protects families from financial hardship by paying out a one-off lump-sum if the policyholder dies during the term of the policy. The money can be used to pay off an outstanding mortgage, or other debts.
Premiums are paid monthly and the cover is set for the same duration as the current mortgage. A Decreasing Term Life Insurance policy is mainly used for a repayment mortgage where the sum insured reduces in line with the outstanding mortgage. A Level Term policy can be used for a repayment mortgage or an interest-only mortgage, where the sum insured remains the same as the outstanding mortgage debt.
The Premiums are affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
Insurers historically pay 99% of all life insurance claims - when they don’t pay out, it is usually because the policyholder was not truthful on their initial application about an existing health condition or a regular dangerous pursuit which led to their death. All insurers cover Covid-19 Coronavirus.
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Mortgage Life & Critical Illness Insurance
This is a Decreasing or Level Term Combined Policy where the amount insured matches the value of the outstanding mortgage. It provides a one-off tax-free payment in the event of your death, or a serious illness like cancer, or permanent disability caused by injury during the fixed term of the policy.
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Life Insurance and Critical Illness Cover protects families from financial hardship by paying out a one-off tax-free lump-sum if the policyholder dies during the term of the policy, or if they suffer a serious illness like cancer or a stroke, or a permanent disability caused by injury. The money can be used to pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.
Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of life and critical illness cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
Most advisers would recommend taking out separate Life Insurance and Critical Illness Policies as you can only make one claim per policy, and if you suffer a serious illness it will be more difficult and more expensive to apply for a new life insurance policy.
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