Life Insurance to Cover Your Mortgage Ensure your home is paid off

Get life insurance that covers your mortgage balance. Decreasing term policies reduce in line with your loan.

Quick & Easy

No Obligation

Expert Brokers

SSL Encrypted

Quick & Easy

No Obligation

Expert Brokers

Step 1 of 8 13%

I'd like quotes for:*

Just me

Me and my partner

Mortgage Cover Options

Match your cover to your mortgage type.

Decreasing Term

Cover reduces as your mortgage balance decreases. The most affordable option for repayment mortgages.

Level Term

Fixed payout throughout. Better for interest-only mortgages or if you want extra for your family.

Whole of Life

Cover that never ends. Useful if you plan to never fully pay off your mortgage.

Top 5

UK Insurers

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Frequently Asked Questions

Common questions about life insurance for your mortgage.

At minimum, your cover should match your outstanding mortgage balance. Consider adding extra for living expenses, other debts, funeral costs, and childcare. The average UK funeral costs around £4,000. A broker will call to help work out the right amount.

Decreasing term life insurance is the most common and affordable option for repayment mortgages. Level term is better for interest-only mortgages. A broker will call to discuss which suits your mortgage.

Death-in-service typically covers 2-4x your salary and only lasts while you work for that employer. If you change jobs, the benefit may end. It should supplement, not replace, personal life insurance.

UK insurers pay between 97% and 99.4% of all life insurance claims. Writing your policy in trust speeds up the payout by bypassing probate.

Your policy is not tied to your mortgage — it pays your beneficiaries, not the lender. If you move house, your existing cover continues. However, check the cover amount still matches your new mortgage balance.