What is mortgage protection? 

Mortgage protection insurance is a life insurance policy designed to pay off your mortgage if you die during the term. It runs for the same length of time as your mortgage. So, if you take out a mortgage over 20 years, your mortgage protection insurance must also be in place for 20 years.

Most lenders offer this cover as part of their home loan package. However you are not obliged to take their cover. You can arrange such cover yourself and there are many advantages in doing so:

• We can help you search the market for the most competitive mortgage protection policy cover available (lenders typically use just one insurer for their mortgage protection cover).

• You own the cover yourself so if you move to a different lender, you can take the cover with you.