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Should you insure for accident and sickness or accident, sickness and unemployment?: The Mortgage Payment Protection policies we offer gives you the option of insuring yourself for:
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.
What is Mortgage Life Insurance?: Mortgage Life Insurance is sometimes called Mortgage Protection Insurance.
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.
Will you have to pay a fee to your mortgage lender if you don’t buy your Life Insurance through them?: No! By law mortgage lenders are not allowed to charge a fee if you choose to shop elsewhere.

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.

If you take out these two insurances as separate policies the insurance will cost you a lot more - so make sure you get a combined policy.

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