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August 27, 2021

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What is mortgage protection insurance?

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What is mortgage protection insurance?

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Everything you need to know about protecting your mortgage

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Mortgage protection insurance helps your family and loved ones in the event of your death by covering the outstanding balance left on your mortgage.

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Mortgage repayments are often one of the largest outgoings for any family, so this insurance policy is designed to pay out a lump sum after your death that covers remaining costs, and relieves the financial pressure for those left behind.

This extensive guide covers everything you need to know about mortgage protection insurance so you can make an informed decision before you purchase a policy.

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What does mortgage protection insurance cover?

All mortgage protection insurance policies will financially protect dependents in the event of death. However, there may be differing definitions or terminology depending on the specific policy you take out, and each insurance provider will have its own criteria regarding the terms of the coverage. Usually a mortgage protection insurance policy entitles the beneficiaries to a pay out only in the event of the policy holder’s death.

What is a decreasing mortgage cover plan?

More often than not, mortgage protection insurance will be sold as a decreasing term plan that coincides with your mortgage repayments. This means that as you pay off your mortgage and the outstanding balance reduces, so will the size of the payout made when a claim is made. This will ensure that whatever is left to pay on your mortgage will be covered in full with a lump sum, should the worst happen.

How much does mortgage protection cost?

There are a number of contributing factors that can affect whether you’re eligible for mortgage protection insurance. Similarly to standard life insurance policies, providers will take into account your age, medical history and financial status when quoting how much your monthly payments will be, and the size of the lump sum that will be paid out.

It’s important to work out how much cover you will need based on the amount left to pay on your mortgage and the remaining period of time. You can use our life insurance calculator to work out how much cover you might need before looking for quotes.

Once you know how much cover you need, you can also use our mortgage protection online quote tool to find out the cover that is right for you and how much this would cost.

Do I need mortgage protection insurance?

There are a lot of things to consider when deciding whether or not to take out a mortgage protection insurance policy. Here are some reasons why you might consider getting cover and how it could benefit you.

To cover a monthly income for your family

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Family income benefit policies cover this – rather than receiving one large payout, your beneficiary will receive regular monthly payments.

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Do I need mortgage protection insurance?

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Getting married

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If you’re planning to get married or you have been with your partner for years, you need to consider whether your individual incomes or combined savings would be enough to continue mortgage repayments in the unfortunate event of your death. If not, then it may be worth considering taking out a joint policy that would pay a lump sum to pay off the outstanding mortgage amount.

Having children

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Parents planning to leave their home in the hands of their children often take out mortgage protection insurance. This ensures that the family left behind is able to keep ownership of the house and repay the mortgage in full.

Buying more property

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Investing in property is a great way to ensure financial stability for you and your family. However, if you choose to take out multiple mortgages, mortgage protection insurance will help to make sure your properties are protected if your dependents aren’t able to continue payments, and ensure any mortgages can be paid off with the lump sum.

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Does my job affect my mortgage protection insurance?

Generally, when analysing your application and building a quote, providers will categorise occupations based on how risky there are. If your job is classed as high risk, then you could be subject to
higher premiums.

High risk occupations can include pilots, commercial drivers, or jobs that require working at heights. The specific criteria for high risk jobs may differ between providers, so it’s important to check your
quote carefully.

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Do I need protection insurance to get a mortgage?

The simple answer is no – it is not a legal requirement to have mortgage protection insurance when you take out a mortgage, and a lot of providers won’t set this as an essential criteria.

However, there are some lenders who will stipulate that customers must have mortgage protection insurance as a condition of their mortgage agreement.

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Even when it isn’t a requirement, it’s very common for homeowners to take out a protection insurance policy when agreeing their mortgage. It’s vital for protecting loved ones and will ensure that your home or property won’t have to be sold if the worst were to happen.

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Can I make a claim if I lose my job?

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There are various types of cover options available on the market and many providers will often let you combine several of these to get the coverage you need. Mortgage protection insurance itself will only cover the cost of your remaining mortgage amount in the event of death, so in order to protect yourself against loss of income, you will need to take out a separate income protection policy, mortgage payment protection, or add one of these to your existing life insurance policy.

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What is the difference between mortgage payment protection insurance and mortgage protection life insurance?

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While mortgage protection life insurance only covers the outstanding cost of your mortgage in the event of death, payment protection insurance is designed to financially protect you in a wider range of circumstances – this could include accidents, sickness or unemployment.

Another significant difference is that there’s no option for decreasing term assurance with mortgage payment protection insurance, which means that your payout will remain the same throughout your policy and premiums tend to be higher due to a higher chance of claiming.

Both types of protection have their place, so it’s important to think about what eventualities you want to cover yourself for, and compare different policy options to find the one that’s right for you.

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Beginner’s Guide to Life Insurance

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Read this beginner’s guide to life insurance and find out everything you need to know before you take out life insurance.

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Find out more

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Types of Life Insurance

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There are a number of different types of life insurance, so here at I’m Insured, we’ve put together this simple guide to the different types of cover

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Find out more

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What is mortgage protection insurance?

What is mortgage protection insurance?

What is mortgage protection insurance?

Everything you need to know about protecting your mortgage

What does mortgage protection insurance cover?

What is a decreasing mortgage cover plan?

How much does mortgage protection cost?

Do I need mortgage protection insurance?

To cover a monthly income for your family

Do I need mortgage protection insurance?

Getting married

Having children

Buying more property

Does my job affect my mortgage protection insurance?

Do I need protection insurance to get a mortgage?

Can I make a claim if I lose my job?

What is the difference between mortgage payment protection insurance and mortgage protection life insurance?

We’re here to help

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Beginner’s Guide to Life Insurance

Types of Life Insurance

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