What are the exclusions for unemployment? The unemployment exclusions for this mortgage payment protection insurance policy are fully explained in Section 8 of the policy document.If you need to complain about any aspect of this mortgage payment protection insurance policy a full explanation is contained in Section 16 of the policy document.

What if we never need to file a claim on the policy, do we get our money back? A: Some of the programs we offer provide the option of a complete return of premium at the end of the policy term.

How does mortgage protection term insurance differ from other types? The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decreases in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods, e.g., 15, 20, 25 or 30 years. Although the face amount decreases over time, the premium is usually level in amount.The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decreases in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods, e.g., 15, 20, 25 or 30 years. Although the face amount decreases over time, the premium is usually level in amount.A: Some of the programs we offer do not require a medical exam from most applicants, and others will cover ALMOST everyone.

What are the exclusions for incapacity? The incapacity exclusions under this mortgage payment protection insurance policy are fully explained in Section 6 of the policy document.If you have any doubt about whether Mortgage Protection Life assurance is suitable for your circumstances, please read our ""Find Out More"" section from the ""Life Assurance"" tab on our home page.

How long does this mortgage payment protection policy cover me for? This mortgage payment protection insurance policy provides claims benefits, subject to you being eligible, for a maximum of 12 months, provided that your incapacity of unemployment has not ended, or the mortgage payment protection insurance policy has not reached its End Date. This information is fully explained in Sections 5.4 and 7.5 of the policy document.The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decreases in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods, e.g., 15, 20, 25 or 30 years. Although the face amount decreases over time, the premium is usually level in amount.

Why do I need to make this decision today? A: If you are a busy person, then THIS is right the right time to protect your family and their home. LIFE is what happens when you're making plans, so be prepared for the GOOD as well as the BAD. Once you spend the few minutes necessary to get the information and rates you want, you and your family can be protected. Q: I thought the my mortgage lender made me buy this insurance so I would qualify for the loan.If you do not truthfully provide all the information we ask for on your application form or when you claim.