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Frequently asked questions
No, a lender won’t usually insist that you have a policy as a condition for accepting you for a mortgage. However, just because mortgage insurance is usually optional, it doesn’t mean that you should ignore it.
Yes, you can. Chances are, your family’s finances will suffer in the event of either you or your partner passing. Getting a joint policy will protect your home from either eventuality.
Level term policies offer the same amount of cover throughout the term of the plan.
Decreasing term policies reduce cover to match the reducing debt of some types of mortgage, making them cheaper.
Don't worry - you're not tied into the cover for the life of your mortgage. You can change your cover whenever you like. If you change the amount of your mortgage, just make sure you review your mortgage life cover too as you might be under-protected - or hopefully be able to save a small fortune with a cheaper policy.
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Frequently asked questions
No, a lender won’t usually insist that you have a policy as a condition for accepting you for a mortgage. However, just because mortgage insurance is usually optional, it doesn’t mean that you should ignore it.
Yes, you can. Chances are, your family’s finances will suffer in the event of either you or your partner passing. Getting a joint policy will protect your home from either eventuality.
Level term policies offer the same amount of cover throughout the term of the plan.
Decreasing term policies reduce cover to match the reducing debt of some types of mortgage, making them cheaper.
Don't worry - you're not tied into the cover for the life of your mortgage. You can change your cover whenever you like. If you change the amount of your mortgage, just make sure you review your mortgage life cover too as you might be under-protected - or hopefully be able to save a small fortune with a cheaper policy.
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