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Will your Mortgage Lender charge a fee if you buy your Life Insurance from someone else?
No! By law mortgage lenders are not allowed to charge a fee if you buy elsewhere.
Hot Topics
- How much will the premium be?
- Your premium reflects the level of cover you want and how long you want to be insured for. It also reflects the risk to the Insurance Company that you may make a claim. This risk is conditioned by your age, sex, occupation, health record and life style etc.
- If you’re asked to supply more information or go for a medical, will the premium increase?
- No, not necessarily. If you’re asked for more information or to have a medical it does not automatically follow that your premium will increase. To put this in context, in our experience 88% of people who apply for life insurance qualify for the price first quoted.
- Does your age affect your premium?
- Yes, your age is one of the most important aspects that determines your premium. (Other important aspects include the level of cover you want, whether you are male or female, whether you are a smoker, your occupation and health record.)
- Is a medical absolutely necessary?
- No. Most people do not require a medical. Normally an insurer will only ask for a medical if you have existing health issues that cannot be resolved by a report from your GP or if you have applied for an especially high sum of insurance.
- What correspondence can you expect to receive after your Application has been submitted?
- It all depends upon what complications arise from the details on your Application.
Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -
- Why are the insurance prices on the Internet so low?
- Is the price you’re quoted, the price you pay?
- Will your premiums increase?
- Is it better to have Guaranteed or Reviewable premiums?
- Can you get a quotation now online?
- What causes delay and can delays be reduced?
- Go to menu of Frequently asked Questions about Mortgage Life Insurance
- Go to menu of Frequently asked Questions about Life Insurance
- Go to menu of Frequently asked Questions about Critical Illness Insurance
- Go to menu of Frequently asked General Questions




