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Mortgage Life insurance and protection basics

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  • Mortgage life insurance is a type of term assurance policy. The term of the policy normally equates to that of your mortgage, for example 25 years. The purpose of this cover is to pay off the existing mortgage in the event of the death of anyone covered by the policy.
  • You choose how much life cover you buy. People often want their mortgage life insurance policy to pay out the value of their mortgage or other loan.
  • There is an important difference between Mortgage Term Assurance and Mortgage Decreasing Term Assurance. This is explained in Your options.
  • Many policies include Terminal Illness Cover at no extra cost. This means that should someone named in the policy become terminally ill the policy will pay out before their death.
  • There are some conditions where you can increase the level of the sum assured during the life of the policy. For example, you may wish to do this if you have a new addition to your family.
  • Go to: Risks or Options

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