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What is life insurance?

Life insurance pays out a lump sum or regular payments to your dependants after your death to give them financial support.

You pay an insurance company monthly payments and the amount of money paid out depends on the level of cover you buy. Life insurance is generally set up to ensure that your mortgage can be paid off. Ideally you may want to exceed the value of your mortgage to make sure that there are some funds available for your family left behind, enabling them to get through a difficult, emotional and financial period as painlessly as possible and maintain their living standards.

Frequently asked questions

  • Do you automatically get life insurance with a mortgage?

    No. You will have to arrange this separately either through a broker or direct with an insurance company.

  • What sort of questions do you have to answer for life insurance?

    You will be asked your age, health, whether you smoke, your medical family history, your occupation, lifestyle and if you’ve had life cover refused in the past. You will also be asked about the cover you would like if it’s to cover your mortgage and/or to provide a regular income to your dependants.

  • Is it illegal to have a mortgage without life insurance?

    You are not legally obliged to have life insurance with a mortgage although some lenders may make it a precondition for the mortgage completion. Many homeowners do get cover so that if the unexpected happens the mortgage will be paid off.

Why choose The Mortgage Brain for insurance?

We have access to thousands of insurance products from hundreds of trusted providers

Our protection specialists are fully qualified to advise on the best products

We have thousands of happy customers with a 5/5 rating on Trustpilot and 4.9/5 on Google reviews

Your dedicated insurance & protection specialist will be with you every step of the way, from the initial consultation to the completion of your policy

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