Frequently Asked Questions

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You asked: Can I get life insurance to help cover my mortgage?

Yes, though we cannot directly link your policy to your mortgage.

Our life insurance with decreasing cover provides a level of cover that decreases over time, broadly in line with a long-term loan or repayment mortgage. Throughout the life of your policy, your premiums will remain the same.

Our life insurance with level cover provides a level of cover that stays the same over time. You choose a lump sum to leave behind for your loved ones and select how long you want your cover to run for. You’ll then pay the same amount each month until your policy ends.

If you choose to protect your cover from the effects of inflation, your cover amount will increase annually in line with the Consumer Prices Index (CPI), a recognised measure of inflation. Your premiums will increase annually in line with any changes to your cover. (Each year, the maximum amount your cover can increase by is 10%, and your premiums could increase by a maximum of 15%.) If you choose not to accept the increase, or if the CPI doesn't increase at all, your cover and premiums will stay the same.

If you're unsure which type of cover best suits your needs, you could speak to a financial adviser – if you don't have an adviser, you’ll find a list of local advisers at

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