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Get mortgage life insurance quotes

We search insurers big and small for cover to protect your family's home

We search insurers big and small for cover to protect your family's home

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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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Mortgage protection, life cover, critical illness cover and more - there's so much choice. If you know what cover you need, great; if not, we're here to help and advise.
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You may need a joint, or a single policy. Not sure what you need?...we can advise, and usually if it's a joint application, we would recommend individual policies.
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The amount you need depends on a number of factors such as your mortgage balance, any debts and a lump sum you may want to leave after these are factored in. Don’t worry – if you’re not sure we can advise you.
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Think about how long you may need to cover life's biggest costs - it may be until a mortgage is fully repaid, until a child becomes financially independent, or until retirement.
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Most insurers will need to know this for a policy, and they may include e-cigarettes and nicotine replacements.

We strictly adhere to the General Data Protection Regulation and will only use your personal information for the purposes of helping with your query. As an advice-based broker, by submitting your details with your phone number and email, we may attempt to call, text or email you in order to service your query for Life Insurance, Income Protection Insurance, Critical Illness Insurance and other products. For more information, please read our Privacy Notice & Cookies.

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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LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.