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Mortgage Protection Insurance is a specialised policy intended to cover your largest debt : your mortgage. It is designed to help your loved ones keep your home if you pass away during the term of your mortgage. It pays out a lump sum that can be used to repay the outstanding balance, ensuring your family isn’t left with the financial burden of monthly payments.
Most policies are decreasing term insurance, meaning the payout amount reduces over time as your mortgage balance goes down - keeping your cover and premiums in line with what you owe.
Your home is often your biggest financial commitment. Mortgage Protection Insurance provides peace of mind that, if the worst were to happen, your family could stay in the home you’ve built together without worrying about monthly repayments. It’s about protecting both your loved ones and the roof over their heads.
A standard life insurance policy pays a fixed lump sum, which your family can use for anything. Mortgage Protection is different - it is designed specifically to match and pay off your remaining mortgage debt.
If you have a repayment mortgage and want a guarantee that your family won't lose their home if the unexpected happens, this cover is essential. It is the most direct way to secure your family's housing stability. Mortgage Protection Insurance is particularly important for homeowners with dependants or joint mortgages.
If you share a mortgage with a partner, spouse, or family member, this cover ensures they won’t be left to pay off the loan on their own. It’s also a practical choice for first-time buyers who want to secure their new investment and safeguard their family’s future.
You can also combine your Mortgage Protection Insurance with Critical Illness Cover. This means that if you’re diagnosed with a serious illness such as cancer, a heart attack, or a stroke (as defined in your policy), your mortgage could be paid off even while you’re still alive. It’s an added layer of security that helps protect your home and your family’s financial stability during life’s most challenging times.
Getting Life Insurance Shouldn’t Be Complicated. We’ve Made It Easy — Three Simple Steps.
Answer a few easy questions so we can find plans that match your lifestyle and needs.
A friendly expert connects with you to go over your best-fit options — clear, simple, and tailored to you.
Relax knowing your decision is 100% yours. Our help is free, confidential, and with no obligations.
We know life insurance can feel complicated, so we’re here to make things simple and stress-free. Here’s what you can expect:
Absolutely. One of our friendly experts will give you a call to answer your questions and help you explore the best options for your situation. They’ll take the time to understand your needs and assist what truly fits you and your family.
Of course. You’ll have 30 days after taking out your policy to cancel it — for any reason — with no penalties or hassle.
*From £10 per month for up to £300,000
is an example based on the following pricing illustrations.
£10 per month Life Insurance quoted rates are based on decreasing term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 7th February 2025.
| Age & Year Born | Term of Cover | Total Sum Assured (Aviva) |
|---|---|---|
| 30 (born in 1995) | 20 years | £504,957 |
| 35 (born in 1990) | 20 years | £384,513 |
| 40 (born in 1985) | 15 years | £301,882 |
| 45 (born in 1980) | 15 years | £192,473 |
| 50 (born in 1975) | 10 years | £152,695 |
| 55 (born in 1970) | 10 years | £86,296 |
| 60 (born in 1965) | 10 years | £41,001 |
| 65 (born in 1960) | 10 years | £24,599 |
| 70 (born in 1955) | 10 years | £13,076 |
*From £5 per month for up to £100,000
is an example based on the following pricing illustrations.
£5 per month Life Insurance quoted rates are based on decreasing term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 7th February 2025.
| Age & Year Born | Term of Cover | Total Sum Assured (Aviva) |
|---|---|---|
| 30 (born in 1995) | 20 years | £179,005 |
| 35 (born in 1990) | 20 years | £128,564 |
| 40 (born in 1985) | 15 years | £95,514 |
| 45 (born in 1980) | 15 years | £61,418 |
| 50 (born in 1975) | 10 years | £47,413 |
| 55 (born in 1970) | 10 years | £32,850 |
| 60 (born in 1965) | 10 years | £17,884 |
| 65 (born in 1960) | 10 years | £11,923 |
| 70 (born in 1955) | 10 years | £6,543 |