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What is Mortgage Payment Protection Insurance?
Mortgage Payment Protection Insurance pays your monthly mortgage repayment if you were off work due to sickness, accident, or unemployment. (Don’t forget that your home is at risk if you fail to keep up the repayment of loans secured against it.)
Is Mortgage Payment Protection Insurance the same as a Mortgage Insurance Guarantee?
No. Mortgage Payment Protection Insurance is totally different to a Mortgage Insurance Guarantee.
How long should I insure for?
It makes sense to keep the insurance in place for as long as you have a mortgage.
Do you have to buy your Mortgage Payment Protection Insurance through your mortgage lender or mortgage broker?
No, you don’t have to buy through your mortgage lender or mortgage broker and it will almost certainly be cheaper here online.
Will your mortgage lender accept a Life Insurance policy bought online?
All your mortgage lender will want is evidence that your life is insured for the correct sum and term. A copy of your Acceptance letter will normally suffice but some lenders may want to see a copy of your policy.

What happens if you need cover quickly in order to complete a house purchase?

You need to take action now. Complete the quotation form now and within 24 hours ClickLife will phone and sort everyting out for you.

In our experience, the insurance companies accept about 1 in 3 applications as soon as they receive them. They can then place you on risk within minutes.

If your application is not immediately accepted and you are in a hurry, the alternative action depends upon the reason the insurance company would not immediately accept your application. (Incidentally, most insurance companies give you free Accidental Death cover whilst your application is being considered.)

In most cases, the delay will be connected to some query relating to your health. In this circumstance, the options available will depend on the nature of the query about your health. However, there are things we can do to speed matters along.

In the worst-case scenario, our Product Partner ClickLife may be able to place your business with one of the few insurance companies who will place you on risk whilst your case is still being considered. This will mean that they cannot place your business with the very cheapest insurance provider but you will get cover quickly.

Frequently Asked Questions related to the above topic.
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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.