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How Much Will It Cost?: You can have Mortgage Payment Protection Insurance for either unemployment alone, sickness and accident, or all three. The costs of the policies we sell are as follows: -
Are There Any Situations That Would Result In My Claim Being Refused?: Yes there are the usual exclusions. These are summarised below but you should carefully read the paperwork that comes with your insurance documents.
You want to ensure that your mortgage is paid off if you were to die or become seriously ill and could not work again. What sort of life insurance do you need?: You need either Life Insurance if you have an interest only mortgage, or Mortgage Life Insurance if you have a repayment mortgage. Then you need to add Critical Illness Insurance. You can do this all in one policy.
Should I include Terminal Illness Insurance?: Terminal Illness Insurance is generally included at no extra cost on all Mortgage Life, Life and Critical Illness policies.

Are There Any Situations That Would Result In My Claim Being Refused?

Yes there are the usual exclusions. These are summarised below but you should carefully read the paperwork that comes with your insurance documents.

You were aware that you were going to become unemployed when you took out the insurance
You left your job voluntarily
Your work is casual, temporary or seasonal
You work for a Temporary Employment Agency
Unemployment is a regular feature of your job
You left your job because you were dismissed for misconduct
When you took out the insurance you were already suffering from the illness or condition which caused your absence from work
Off work due to alcohol or non-prescribed drug abuse
Off work due to injuries which are self inflicted
Off work due to failure to follow medical advice
Off work due to war or rioting

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -

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This web site is owned by Andromeda Webs Ltd. Andromeda Webs Ltd, is an Appointed Representative of Web Publishing House Ltd. Web Publishing House Ltd is authorised and regulated by the Financial Services Authority for insurance mediation.

Hot Topics

Are There Any Situations That Would Result In My Claim Being Refused?

Yes there are the usual exclusions. These are summarised below but you should carefully read the paperwork that comes with your insurance documents.

Frequently Asked Questions related to the above topic. Click below if you wish to read them: -

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -