Your family and home are your top priority – and you’re ours. That’s why we’ve teamed up with Legal & General, the UK’s number one provider Link to footnote with over 180 years’ experience, to offer Mortgage Life Insurance and Critical Illness Cover.
For peace of mind today and every day, get a quote online with our specially selected provider, Legal & General.
Mortgage Life Insurance can help ease the financial burden on your family, should the worst happen.
If you die while covered by a mortgage life insurance policy, it’ll provide a lump sum cash payment that can be used to pay off your mortgage – in part or in full – or help with other every day money worries like household bills or childcare costs.
You choose the amount of cover you need and how long you need it for (usually based on the value and term of your mortgage) – on a level term or decreasing term basis. You can take out Mortgage Life Insurance for yourself, or under joint names. And you can pay monthly or annually.
This is the most popular type of mortgage life insurance that we sell. The amount you’re covered for will gradually decrease over time, as your mortgage decreases in line with your repayments. Just make sure your cover reflects any changes to your mortgage arrangement, like the term or interest rate.
For example: If you choose £100,000 protection over 25 years, your cover would reduce to £0 by the end of the 25 years, in line with your mortgage.
This cover provides a level amount of protection throughout the term of the policy. It’s designed for people with an interest-only mortgage. Following a claim, it would repay the balance of your mortgage – so long as you ensure your cover reflects any changes to your mortgage, including the interest rate.
For example: If you choose £100,000 protection over 25 years, you’d be covered for this amount until your life insurance cover ended.
If you’re diagnosed with a life-changing illness, you’ll have enough on your mind without having to worry about those unpaid bills too. At an extra cost, you can choose to add Critical Illness Cover to your Mortgage Life Insurance for complete peace of mind – all in the one place.
Critical Illness Cover eases the financial burden placed on you and your family in the face of a life-changing illness. Meaning you can spend more of your time on what’s important – you.
Critical Illness Cover will pay out a lump sum if you’re diagnosed with or undergo treatment for any one of the 38 illnesses covered by Legal & General. See the ‘What’s covered’ section below for the full list. Or view all the definitions and information in our Guide to Critical Illness Cover and policy booklet.
Below is a full list of the critical illnesses we cover. Unfortunately, we can’t cover everything. For example, some types of cancer aren’t covered. And to make a claim for some illnesses, you need to have permanent symptoms.
|Aorta graft surgery||Requiring surgical replacement|
|Aplastic anaemia||With permanent bone marrow failure|
|Bacterial meningitis||Resulting in permanent symptoms|
|Benign brain tumour||Resulting in either surgical removal or permanent symptoms|
|Blindness||Permanent and irreversible|
|Cancer||Excluding less advanced cases|
|Cardiac arrest||With insertion of a defibrillator|
|Cardiomyopathy||Of specified severity|
|Coma||With associated permanent symptoms|
|Coronary artery by-pass grafts||With surgery to divide the breast bone of thoracotomy|
|Creutzfeldt-Jakob disease (CJD)||Resulting in permanent symptoms|
|Deafness||Permanent and irreversible|
|Dementia including Alzheimer’s disease||Resulting in permanent symptoms|
|Encephalitis||Resulting in permanent symptoms|
|Heart attack||Of specified severity|
|Heart valve replacement or repair||With surgery|
|HIV infection||Caught from blood transition, physical assault or accident at work|
|Kidney failure||Requiring permanent dialysis|
|Liver failure||Of advanced stage|
|Loss of hand or foot||Permanent physical severance|
|Loss of speech||Total permanent and irreversible|
|Major organ transplantation||From another donor|
|Motor neurone disease||Resulting in permanent symptoms|
|Multiple sclerosis||Where there have been symptoms|
|Multiple system atrophy||Resulting in permanent symptoms|
|Open heart surgery||With medium sternotomy|
|Paralysis of limb||Total and irreversible|
|Parkinson’s disease||Resulting in permanent symptoms|
|Primary pulmonary hypertension||Of specified severity|
|Progressive supranuclear palsy||Resulting in permanent symptoms|
|Removal of an eye ball||Due to injury or disease|
|Respiratory failure||Of advanced stage|
|Spinal stroke||Resulting in symptoms lasting at least 24 hours|
|Stroke||Resulting in symptoms lasting at least 24 hours|
|Systemic lupus erythematosus||With severe complications|
|Third degree burns||Covering 20% of the surface area of the body or 20% of the face or head|
|Total and permanent disability*||Of specified severity|
|Traumatic brain injury||Resulting in permanent symptoms|
Children’s Critical Illness Cover is automatically included, for free. Link to footnote.
*We define total and permanent disability in two ways. The definition that applies to you will be shown in your policy booklet and will depend on your occupation, employment status and whether you are paid for work. The full definitions and details on when you can claim are in our Guide to Critical Illness Cover and policy booklet.
We provide additional cover for carcinoma of the breast and low-grade prostate cancer.
This means that if you meet our definitions, we’ll pay out 25% of your cover amount, up to a maximum of £25,000. This additional benefit doesn’t affect your amount of cover of the premiums you’ll pay.
The illnesses covered include cancer, heart attack and stroke, but not all occurrences of these illnesses are covered.
For example, cancer needs to have spread or reached a specified severity to be considered under the policy, and for some illnesses you need to have permanent symptoms.
Advances in medicine and technology mean that traditional views of critical illnesses are constantly changing. Above is a list of specified critical illnesses covered by our current policies.
If the person covered has a critical illness, it must be verified by a medical specialist who holds an appointment as a consultant at a hospital in the UK, and whose specialism we reasonably consider appropriate to the critical illness.
Please remember, the heading of each critical illness is only a guide to what is covered. Further details of how we will consider your claim, including the full definitions we will use and the evidence we will need, are given in the policy booklet, which will be sent to you when the policy starts.
 Number one insurance provider of life insurance, measured by number of new term sales, with and without critical illness cover (Swiss Re, Term & Health Watch 2019)
 The cover will start when we receive a completed application form that you submit online or over the telephone. The maximum payment will be the amount of cover you applied for or £300,000, whichever is lower. Cover will last for 90 days or until we accept, postpone or decline your application or you notify us that you no longer wish to proceed, whichever is earliest.
 We’ll cover a relevant child (natural child, legally-adopted child or stepchild of policyholder) or any children you have in the future if, before the end of your policy, they’re diagnosed with one of the critical illnesses we cover, including Additional Cover (except for Total and Permanent Disability). They are covered from when they're 30 days old to their 18th birthday (or 21st birthday if they're in full time education). See policy booklet for full details of what is and isn’t covered.
 Total claims paid by L&G between 2015—2019 across Life Insurance, Critical Illness Cover, Children’s Critical Illness Cover, Terminal Illness Cover and Income Protection.