Skip to content Go to accessibility help
We use cookies to keep our websites easy to use and relevant to our users’ requirements and to enable us to learn which advertisements bring users to our website. Select Accept below if you wish to proceed or How to change your cookies for instructions on how to manage your cookie settings. Find out more about our Cookie Policy.

Mortgage Life Insurance & Critical Illness

Get covered online from as little as £6 a month.

Get a quote

Trusted Mortgage Life Insurance from the UK’s #1 life insurer

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[1] Link to footnote with over 180 years’ experience, to offer Mortgage Life Insurance and Critical Illness Cover.

  • Manage your account online, 24/7
  • With accidental death benefit, you’re covered from the second we receive your application[2] Link to footnote
  • Add Critical Illness Cover for extra peace of mind – all in the one place
  • Children’s Critical Illness Cover is included for free, when you add Critical Illness Cover[3] Link to footnote
  • Samaritan-trained personal claims handlers – a small comfort at a difficult time
  • Over the past five years, over £2.9 billion has been paid to support families across the UK[4] Link to footnote

For peace of mind today and every day, get a quote online with our specially selected provider, Legal & General.

Get a quote Retrieve a quote

What is mortgage life insurance?

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.

What types of life insurance do we offer?

Decreasing term

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.

Get a quote

Level term

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.

Get a quote

Add Critical Illness Cover, for complete peace of mind

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.

What is Critical Illness Cover?

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.

Get a quote

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.

We provide additional cover for carcinoma of the breast and low-grade prostate cancer.

The illnesses covered include cancer, heart attack and stroke, but not all occurrences of these illnesses are covered.

Take the next step

Get a quote

Retrieve a quote

Looking for advice

Call today to book an appointment with one of our mortgage advisors:

0800 048 1563

Monday—Friday, 8am—8pm, Saturday, 9am—5pm


[1] 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)

[2] 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.

[3] 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.

[4] 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.