*Dependant on age, cover term and cover amount selected. Example of a 25 year old non-smoker in good health, taking £100,000 decreasing cover over 25 years. Based on data from online sales May 2025.
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Details of any pre-existing conditions you may have
Whether you smoke
How much you want to pay per month
How long you want the policy to last
Compare mortgage life insurance quotes
How do I get the best life insurance quote?
Mortgage life insurance is a type of decreasing term life insurance. This means the pay-out you get decreases in line with your mortgage, so if you die at the start of your policy, you’ll get a larger pay-out than if you die at the end. This means that it will cover the amount you owe as it’s designed to pay off your mortgage if you pass away.
Standard life insurance pays out the same amount no matter when you die, which is why it generally costs more than mortgage life insurance.
Although the obvious benefit of regular life insurance is the larger pay-out, the amount you’ll have to pay in premiums is higher too, so mortgage life cover could be the smarter option.
Other types of life insurance
Depending on your needs, you may want to consider buying additional types of cover:
Critical illness cover
Critical illness cover enhances life insurance with extra protection. It pays a lump sum for specified illnesses. You can use a payout to cover things like healthcare, treatment, or family support if needed.
Income protection
Income protection, also called loss of earnings insurance, protects your income if you can't work due to sickness or injury. It offers regular payments to you and your family when you can't work, helping cover living costs like mortgages, loans, and bills.
Mortgage life insurance
Mortgage life insurance is designed to pay off your mortgage when you die. It's a type of decreasing term life insurance. This means the payout your beneficiaries get decreases in line with your mortgage balance. So if you die at the start of your policy, they get a larger payout than if you die at the end.
Joint life insurance
Joint life insurance covers two people with shared financial interests, like a mortgage. If one person dies, the policy pays out once and ends, leaving the other person uninsured. If you only need one payout, joint cover may be the best option as it tends to be cheaper than buying two separate policies.