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Mortgage Life Insurance

By Kevin Pratt on Tuesday 25 July 2017

In this Article

Mortgage life insurance

What is mortgage life insurance?

Mortgage life insurance covers your mortgage repayments in the event of your death. Also referred to as decreasing term life insurance, the amount of cover decreases in line with how much your mortgage reduces throughout the term of your policy. The average monthly premium of a policy is £25, according to MoneySuperMarket data (April 2017).

Why should I take out mortgage insurance?

Your mortgage is almost certainly the single largest financial commitment you have every month. And if you were to die unexpectedly, the family and dependants you leave behind would still be responsible for continuing to make these payments.

Having such cover in place provides peace of mind, knowing that your family and dependants won’t be forced into an unwanted change of lifestyle.

If you own a house and have dependants who rely on you to pay the mortgage, it’s therefore a good idea to consider this type of life insurance.

Different types of policy

There are three different kinds of mortgage life insurance to consider. The right policy for you will depend on your individual circumstances and the level of payout your family and dependants will require in the event of your death.

Decreasing term insurance

Decreasing term life insurance for mortgage cover is a type of policy where the payout sum reduces in line with your total mortgage debt. The term of your policy will match that of your mortgage – so if your mortgage term is 25 years, your policy term will also be 25 years.

Most policies come with a Mortgage Interest Rate Guarantee (remember to check this on the policy you choose), and so long as your mortgage interest rate is below this guarantee, your policy should pay off any outstanding balance.

For example, if you took out a £150,000 mortgage and died in year one, the amount the insurer would pay out would be £150,000 – therefore clearing the rest of the debt.

If, however, you died 20 years into a 25-year term, the amount you still owed on your mortgage would have reduced. So if you still had £15,000 remaining at this point, the policy would pay out £15,000 in the event of your death.

This kind of policy is suitable for people with repayment mortgages, who repay their mortgage debt off over the term of their deal – not for those who have interest-only mortgages. This is because, with this type of mortgage, you pay only the interest on the capital borrowed and not the capital itself.

A decreasing term mortgage life insurance policy tends to have lower monthly premiums.

Level term insurance

Level term mortgage life insurance is easier to understand. The sum assured stays fixed throughout the duration of your mortgage – so if you take out a policy for £150,000, that’s the amount the provider will pay out regardless of when you die; one year or 20 years in, the amount is the same.

The obvious benefit with level term insurance is that your dependants will usually receive more funds than are needed simply to pay the remainder of the mortgage off, depending on when death occurs.

For example, it may be that they receive the £150,000 when the mortgage debt stands at just £15,000. This means they have a tidy sum and additional funds for other commitments, such as living costs and bills. It can also be used to offset the loss of income through your salary.

Because the sum doesn’t decrease over time, monthly premiums are higher than for decreasing mortgage life insurance.

Whole of life insurance

A third option is something known as a whole of life insurance policy. This pays out whenever you die, so instead of a fixed term policy – which typically lasts for 25 or 30 years – cover is continually provided.

Because there is no set term and the cover could potentially span several decades, monthly premiums tend to be higher than with fixed term policies.

Premiums are also linked to investments, so if investment growth is lower than expected, your premiums can increase substantially over time.

Critical illness cover

Critical illness cover is offered as an extra to mortgage life insurance and level term life insurance policies – you may already have cover in place but this can be added as an additional policy.

Critical illness is designed to pay out if you are suffering with a serious condition – such as cancer, a stroke or heart attack – which affects your ability to work. Coverage varies depending on the insurer, so check the terms and conditions carefully.

If you take out a combined critical illness critical illness and life insurance policy, that policy will only pay out once – you wouldn’t receive a sum upon diagnosis of serious illness and then again should you die during the term of the policy’s coverage.

Getting a quote

Ultimately, the amount you pay for your mortgage life insurance every month will be defined by a number of factors, including the size of the cover you need, the length of time you want the policy to run for and any additional extras – such as critical illness.

Your age and health will also be taken into consideration. If you are a heavy smoker or have suffered with a serious health condition in the past, your premium is likely to be higher than a non-smoker or an individual with better health.

Try to compare a wide range of life insurance policies to get the best possible deal for you and your lifestyle. Remember that cheapest isn’t always best – check exactly what your policy covers before buying it.

Mortgage life insurance

* Based on all mortgage life-only insurance quotes run in April 2017 with cover term more than 25 years and a cover amount of more than £100,000. The price you are quoted is dependent on your individual circumstances so might differ from this figure.

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Mortgage protection insurance offers limited benefits

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Mortgage protection insurance refers to a type of decreasing term life insurance policy where you pay a non-changing premium for the duration of your mortgage. If you die while the policy is in effect, the insurance pays off your mortgage. The lender can become the beneficiary of the policy if the borrower paying for the policy defaults on the loan.

Mortgage protection insurance cost factors

If the outstanding balance of your mortgage is high, your monthly premium will be high as well, and your premium will remain the same even as the balance decreases. This is because you are more likely to die as time goes on, increasing the likelihood that your life insurance company will have to pay on your policy.

Mortgage protection insurance can be purchased either at the same time you buy a home, or at any time in the future. As with other types of life insurance, your age, smoking status and value of your death benefit (the amount left on your mortgage) are taken into account when a life insurance company reviews your application and sets a price.

Mortgage insurance options

Mortgage protection insurance policies will only pay the balance of your mortgage at the time of your death (or maybe a little more if you paid ahead on your mortgage). If you decide this is appropriate for your situation, remember that a regular decreasing term life policy one not marketed as a “mortgage protection” policy can be used for the same purpose, and may also cost less. However, if you want to give your beneficiaries a choice of how to use the insurance money, consider level term life insurance instead.

Depending on your insurance company, joint mortgage protection insurance may be available that covers both you and your spouse and pays out when either of you die.

If you refinance, see if a new policy will get you a better premium. If you default on your mortgage, check with your life insurance company and see if they will extend your coverage.

Mortgage protection insurance and private mortgage insurance

Though they have similar names, these two types of insurance are not related. Private mortgage insurance (PMI) is typically required by the lender when you purchase a house and make a down payment of less than 20%. “Lenders take a risk when a buyer puts down less than 20%,” says Sam Belden, Vice President at Insurance.com. “Private Mortgage Insurance is a way for lenders to protect themselves if a buyer didn’t put much down and ends up in foreclosure.” In today’s difficult economic environment, few lenders will even grant a loan with less than 20% down, so PMI may not be offered in the future.

Although PMI makes it easier for you to get a loan and can help you get a house without waiting to build up savings, it pays the lender, not you. It does not reduce the amount of money you owe the lender. It is not a substitute for life insurance or mortgage protection insurance, which will pay off all or most of your mortgage in the event of your death.

Not what you were looking for? Have questions or feedback? Please let us know.

Originally posted September 20, 2004.

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Compare Mortgage Life Insurance Cover, MoneySuperMarket, mortgage life insurance.#Mortgage #life #insurance


Mortgage Life Insurance

By Kevin Pratt on Tuesday 25 July 2017

In this Article

Mortgage life insurance

What is mortgage life insurance?

Mortgage life insurance covers your mortgage repayments in the event of your death. Also referred to as decreasing term life insurance, the amount of cover decreases in line with how much your mortgage reduces throughout the term of your policy. The average monthly premium of a policy is £25, according to MoneySuperMarket data (April 2017).

Why should I take out mortgage insurance?

Your mortgage is almost certainly the single largest financial commitment you have every month. And if you were to die unexpectedly, the family and dependants you leave behind would still be responsible for continuing to make these payments.

Having such cover in place provides peace of mind, knowing that your family and dependants won’t be forced into an unwanted change of lifestyle.

If you own a house and have dependants who rely on you to pay the mortgage, it’s therefore a good idea to consider this type of life insurance.

Different types of policy

There are three different kinds of mortgage life insurance to consider. The right policy for you will depend on your individual circumstances and the level of payout your family and dependants will require in the event of your death.

Decreasing term insurance

Decreasing term life insurance for mortgage cover is a type of policy where the payout sum reduces in line with your total mortgage debt. The term of your policy will match that of your mortgage – so if your mortgage term is 25 years, your policy term will also be 25 years.

Most policies come with a Mortgage Interest Rate Guarantee (remember to check this on the policy you choose), and so long as your mortgage interest rate is below this guarantee, your policy should pay off any outstanding balance.

For example, if you took out a £150,000 mortgage and died in year one, the amount the insurer would pay out would be £150,000 – therefore clearing the rest of the debt.

If, however, you died 20 years into a 25-year term, the amount you still owed on your mortgage would have reduced. So if you still had £15,000 remaining at this point, the policy would pay out £15,000 in the event of your death.

This kind of policy is suitable for people with repayment mortgages, who repay their mortgage debt off over the term of their deal – not for those who have interest-only mortgages. This is because, with this type of mortgage, you pay only the interest on the capital borrowed and not the capital itself.

A decreasing term mortgage life insurance policy tends to have lower monthly premiums.

Level term insurance

Level term mortgage life insurance is easier to understand. The sum assured stays fixed throughout the duration of your mortgage – so if you take out a policy for £150,000, that’s the amount the provider will pay out regardless of when you die; one year or 20 years in, the amount is the same.

The obvious benefit with level term insurance is that your dependants will usually receive more funds than are needed simply to pay the remainder of the mortgage off, depending on when death occurs.

For example, it may be that they receive the £150,000 when the mortgage debt stands at just £15,000. This means they have a tidy sum and additional funds for other commitments, such as living costs and bills. It can also be used to offset the loss of income through your salary.

Because the sum doesn’t decrease over time, monthly premiums are higher than for decreasing mortgage life insurance.

Whole of life insurance

A third option is something known as a whole of life insurance policy. This pays out whenever you die, so instead of a fixed term policy – which typically lasts for 25 or 30 years – cover is continually provided.

Because there is no set term and the cover could potentially span several decades, monthly premiums tend to be higher than with fixed term policies.

Premiums are also linked to investments, so if investment growth is lower than expected, your premiums can increase substantially over time.

Critical illness cover

Critical illness cover is offered as an extra to mortgage life insurance and level term life insurance policies – you may already have cover in place but this can be added as an additional policy.

Critical illness is designed to pay out if you are suffering with a serious condition – such as cancer, a stroke or heart attack – which affects your ability to work. Coverage varies depending on the insurer, so check the terms and conditions carefully.

If you take out a combined critical illness critical illness and life insurance policy, that policy will only pay out once – you wouldn’t receive a sum upon diagnosis of serious illness and then again should you die during the term of the policy’s coverage.

Getting a quote

Ultimately, the amount you pay for your mortgage life insurance every month will be defined by a number of factors, including the size of the cover you need, the length of time you want the policy to run for and any additional extras – such as critical illness.

Your age and health will also be taken into consideration. If you are a heavy smoker or have suffered with a serious health condition in the past, your premium is likely to be higher than a non-smoker or an individual with better health.

Try to compare a wide range of life insurance policies to get the best possible deal for you and your lifestyle. Remember that cheapest isn’t always best – check exactly what your policy covers before buying it.

Mortgage life insurance

* Based on all mortgage life-only insurance quotes run in April 2017 with cover term more than 25 years and a cover amount of more than £100,000. The price you are quoted is dependent on your individual circumstances so might differ from this figure.

Did you find this helpful? Why not share this article?


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    Mortgage Life Insurance

    What is mortgage life insurance?

    Mortgage life insurance is a type of life insurance that pays out to cover the cost of your mortgage if you die within the term of the policy – it means your spouse or partner and any dependants won’t need to fund monthly mortgage repayments after your death.

    Your mortgage is almost certainly the single largest financial commitment you have every month. And if you were to die unexpectedly, the family and dependants you leave behind would still be responsible for continuing to make these payments.

    Having such cover in place provides peace of mind, knowing that your family and dependants won’t be forced into an unwanted change of lifestyle.

    If you own a house and have dependants who rely on you to pay the mortgage, it’s therefore a good idea to consider this type of life insurance .

    Different types of policy

    There are three different kinds of mortgage life insurance to consider. The right policy for you will depend on your individual circumstances and the level of payout your family and dependants will require in the event of your death.

    Decreasing term insurance

    Decreasing term life insurance for mortgage cover is a type of policy where the payout sum reduces in line with your total mortgage debt. The term of your policy will match that of your mortgage so if your mortgage term is 25 years, your policy term will also be 25 years.

    Most policies come with a Mortgage Interest Rate Guarantee (remember to check this on the policy you choose), and so long as your mortgage interest rate is below this guarantee, your policy should pay off any outstanding balance.

    For example, if you took out a 150,000 mortgage and died in year one, the amount the insurer would pay out would be 150,000 – therefore clearing the rest of the debt.

    If, however, you died 20 years into a 25-year term, the amount you still owed on your mortgage would have reduced. So if you still had 15,000 remaining at this point, the policy would pay out 15,000 in the event of your death.

    This kind of policy is suitable for people with repayment mortgages, who repay their mortgage debt off over the term of their deal – not for those who have interest-only mortgages. This is because, with this type of mortgage, you pay only the interest on the capital borrowed and not the capital itself.

    A decreasing term mortgage life insurance policy tends to have lower monthly premiums.

    Level term insurance

    Level term mortgage life insurance is easier to understand. The sum assured stays fixed throughout the duration of your mortgage – so if you take out a policy for 150,000, that’s the amount the provider will pay out regardless of when you die; one year or 20 years in, the amount is the same.

    The obvious benefit with level term insurance is that your dependants will usually receive more funds than are needed simply to pay the remainder of the mortgage off, depending on when death occurs.

    For example, it may be that they receive the 150,000 when the mortgage debt stands at just 15,000. This means they have a tidy sum and additional funds for other commitments, such as living costs and bills. It can also be used to offset the loss of income through your salary.

    Because the sum doesn’t decrease over time, monthly premiums are higher than for decreasing mortgage life insurance.

    Whole of life insurance

    A third option is something known as a whole of life insurance policy. This pays out whenever you die, so instead of a fixed term policy – which typically lasts for 25 or 30 years – cover is continually provided.

    Because there is no set term and the cover could potentially span several decades, monthly premiums tend to be higher than with fixed term policies.

    Premiums are also linked to investments, so if investment growth is lower than expected, your premiums can increase substantially over time.

    Critical illness cover

    Critical illness cover is offered as an extra to mortgage life insurance and level term life insurance policies – you may already have cover in place but this can be added as an additional policy.

    Critical illness is designed to pay out if you are suffering with a serious condition – such as cancer, a stroke or heart attack – which affects your ability to work. Coverage varies depending on the insurer, so check the terms and conditions carefully.

    If you take out a combined critical illness critical illness and life insurance policy, that policy will only pay out once – you wouldn’t receive a sum upon diagnosis of serious illness and then again should you die during the term of the policy’s coverage.

    Getting a quote

    Ultimately, the amount you pay for your mortgage life insurance every month will be defined by a number of factors, including the size of the cover you need, the length of time you want the policy to run for and any additional extras – such as critical illness.

    Your age and health will also be taken into consideration. If you are a heavy smoker or have suffered with a serious health condition in the past, your premium is likely to be higher than a non-smoker or an individual with better health.

    Try to compare a wide range of life insurance policies to get the best possible deal for you and your lifestyle. Remember that cheapest isn’t always best – check exactly what your policy covers before buying it.

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    Mortgage Protection Insurance

    If you are a home owner, it is important to do all you can to protect your home and your family if an accidental death prevents you from paying your mortgage. Mortgage Protection Insurance from Globe Life is an accidental death and dismemberment insurance policy that gives your family security in their home for just a fraction of your monthly mortgage payment.

    Don t Put Your Home At Risk

    • Choose your Mortgage Protection accidental death insurance coverage from $50,000 to $350,000.
    • Acceptance is guaranteed, regardless of health if you are between the ages of 18 and 69.
    • No health questions or medical exams.
    • The affordable monthly premiums will never increase for any reason.
    • Rates as low as $5.50 per month.

    Your Mortgage Protection Insurance Also Includes These Additional Guaranteed Benefits At NO EXTRA COST

    • Inflation Benefit
      For every year the Policy remains continuously in force, primary insured s Principal Benefit will automatically be increased by 5% of the Initial Principal Benefit until the Principal Benefit is equal to 125% of the Initial Principal Benefit, or the primary insured turns age 70, whichever is earlier.
    • Education Benefit
      Upon the accidental death of the primary insured, pays an additional 10% of the death benefit for each dependent child who, on the date of the accident, is between the ages of 15 and 22. Available only on the Family Plan and limited to $10,000.
    • Seat Belt Benefit
      Pays 10% of the insured s Principal Benefit if the insured suffers an accidental death while operating or riding in a car and wearing a seat belt.
    • Common Disaster Benefit
      Pays 10% of the insured s Principal Benefit if the insured suffers an accidental death while operating or riding in a car and wearing a seat belt.
    • Dismemberment Benefit
      Pays for loss of a hand, foot or eye subject to a table of losses.
    • Paralysis Benefit
      Covers quadriplegia, paraplegia and hemiplegia subject to a table of losses.
    • Commercially Scheduled Airline Benefit
      Pays an additional benefit amount equal to the insured s Principal Benefit for each insured at the time of death from accidental bodily injury received as a fare-paying passenger on a commercially scheduled airline.

    No-Risk 30-Day Money-Back Guarantee

    Globe Life guarantees your satisfaction with a no-risk 30-day money-back guarantee. If you are not completely satisfied, simply return your policy within the first 30 days for a full refund without further obligation.

    Insurance Selections

    About Us

    • About Globe Life
    • Jobs
    • Contact Us

    *$1 pays for the first month of children s coverage. Then the rate is based on your child s present age and is guaranteed to stay the same for the rest of their life. Policy Form # GWL20001 or GWLA001
    *$1 pays for the first month s adult coverage. Then the rate schedule is based on your current age and is guaranteed for the life of the policy. Policy Form # SRTCV/SRTCV13 **A.M. Best Company rating as of 6/16. For the latest rating, access www.ambest.com.

    Globe Life has been protecting America s families since 1951

    Globe Life continues to receive an A+ (Superior)** rating
    from A.M. Best Company (rating as of 6/16)

    GMADW08 2005-2016 Globe Life And Accident Insurance Company, Oklahoma City, OK All Rights Reserved.
    Licensed in the United States CA Certificate Authority #4140


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    Globe Life Official Site: Buy up to $350, 000 Mortgage Protection Insurance #equity #mortgage


    #home mortgage insurance

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    Mortgage Protection Insurance

    If you are a home owner, it is important to do all you can to protect your home and your family if an accidental death prevents you from paying your mortgage. Mortgage Protection Insurance from Globe Life is an accidental death and dismemberment insurance policy that gives your family security in their home for just a fraction of your monthly mortgage payment.

    Don t Put Your Home At Risk

    • Choose your Mortgage Protection accidental death insurance coverage from $50,000 to $350,000.
    • Acceptance is guaranteed, regardless of health if you are between the ages of 18 and 69.
    • No health questions or medical exams.
    • The affordable monthly premiums will never increase for any reason.
    • Rates as low as $5.50 per month.

    Your Mortgage Protection Insurance Also Includes These Additional Guaranteed Benefits At NO EXTRA COST

    • Inflation Benefit
      For every year the Policy remains continuously in force, primary insured s Principal Benefit will automatically be increased by 5% of the Initial Principal Benefit until the Principal Benefit is equal to 125% of the Initial Principal Benefit, or the primary insured turns age 70, whichever is earlier.
    • Education Benefit
      Upon the accidental death of the primary insured, pays an additional 10% of the death benefit for each dependent child who, on the date of the accident, is between the ages of 15 and 22. Available only on the Family Plan and limited to $10,000.
    • Seat Belt Benefit
      Pays 10% of the insured s Principal Benefit if the insured suffers an accidental death while operating or riding in a car and wearing a seat belt.
    • Common Disaster Benefit
      Pays 10% of the insured s Principal Benefit if the insured suffers an accidental death while operating or riding in a car and wearing a seat belt.
    • Dismemberment Benefit
      Pays for loss of a hand, foot or eye subject to a table of losses.
    • Paralysis Benefit
      Covers quadriplegia, paraplegia and hemiplegia subject to a table of losses.
    • Commercially Scheduled Airline Benefit
      Pays an additional benefit amount equal to the insured s Principal Benefit for each insured at the time of death from accidental bodily injury received as a fare-paying passenger on a commercially scheduled airline.

    No-Risk 30-Day Money-Back Guarantee

    Globe Life guarantees your satisfaction with a no-risk 30-day money-back guarantee. If you are not completely satisfied, simply return your policy within the first 30 days for a full refund without further obligation.

    Insurance Selections

    About Us

    • About Globe Life
    • Jobs
    • Contact Us

    *$1 pays for the first month of children s coverage. Then the rate is based on your child s present age and is guaranteed to stay the same for the rest of their life. Policy Form # GWL20001 or GWLA001
    *$1 pays for the first month s adult coverage. Then the rate schedule is based on your current age and is guaranteed for the life of the policy. Policy Form # SRTCV/SRTCV13 **A.M. Best Company rating as of 6/16. For the latest rating, access www.ambest.com.

    Globe Life has been protecting America s families since 1951

    Globe Life continues to receive an A+ (Superior)** rating
    from A.M. Best Company (rating as of 6/16)

    GMADW08 2005-2016 Globe Life And Accident Insurance Company, Oklahoma City, OK All Rights Reserved.
    Licensed in the United States CA Certificate Authority #4140