If You Want Cheap Mortgage Protection Then Stick With A Specialist Provider
A specialist standalone provider will always be able to offer you among the cheapest premiums possible for mortgage cover and cheap mortgage protection isnt offered at the time of taking out the mortgage but you have to choose to buy it independently.
Mortgage payment protection insurance can be a lifeline but only when bought correctly and after you have ensured that your circumstances are right for the cover. There are exclusions which can stop you from making a claim on the policy and some common ones include being in part time work, if you have a pre-existing medical condition, retired or working for yourself. Of course there can be many others and they can differ from policy to policy so you should compare not only the cost of the cover but also the exclusions in the small print and key facts.
Providing a policy is suitable for your needs then it would begin to payout a tax free lump sum each month you were out of work continually after suffering from an illness, accident or through unemployment by such as redundancy. You do have to be out of work for a set period of time...
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