Do you have to buy your Life Insurance through your mortgage lender or mortgage broker?

No, you don’t have to buy your Life Insurance through your mortgage lender or mortgage broker.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

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Should you consider Mortgage Life Insurance instead?
Only if you have a Repayment Mortgage and want insurance cover for it.
How long should you insure for?
For mortgage protection purposes you should also insure yourself for the same number of years that are remaining on your mortgage. The initial sum insured should always equal the capital sum outstanding on your mortgage.
Should you have a “Guaranteed” or a “Reviewable” policy?
With a Guaranteed policy your insurance company Guarantees never to increase the premium at any time during the policy’s term.
Should you include Critical Illness cover on your Life Insurance policy?
You should certainly consider taking out Critical illness cover whether you combine it into your Life Insurance policy (which is by far the cheapest way to buy both insurances) or you take out separate policies (which gives you far more protection – see below).
What is the Difference Between Critical Illness Insurance and Terminal Illness insurance?
Critical Illness Insurance is much more comprehensive than Terminal Illness cover.
Furthermore, if you buy your Life Insurance with the brokers that we refer you to through this website, you will probably save a considerable amount of money.

Simply submit your details and you will shortly receive a call to discuss your individual requirements and to receive a highly competitive quotation. Then you can compare our price with the price your mortgage broker or mortgage lender has given you.

Frequently Asked Questions related to the above topic.
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