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Mortgage Decreasing Critical Illness Cover product details.
Specific product details for Mortgage Decreasing Critical Illness Cover.
Illnesses covered - full list of illnesses covered
Amount of cover
- No minimum sum assured. Driven by minimum premium.
- Maximum sum assured £3,000,000
- The amount of cover decreases roughly in line with the outstanding repayment mortgage amount throughout the policy term.
- There is a choice of decreasing interest rates available.
- 7%
- 8%
- 9%
- 10%
Term
- Minimum term allowed 5 years
- Maximum term allowed 40 years
Age Restrictions
- Minimum age at outset 17 (if age 17, the policy must be written in trust)
- Maximum age at outset 59
- Minimum age at end of term 29
- Maximum age at end of term - must end by 70th birthday
Premiums
- Reviewable
- Payable monthly or annually by Direct Debit.
Options available
Benefits automatically included
- Children’s Critical Illness Cover
- Guaranteed Insurability Option
- Accidental death benefit
- Free life cover
- SmoothMove
- Total and Permanent Disability
Other Information
- For joint life policies, benefit is paid on the first death.
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Need more information?
Protection sales team
0845 273 0010
0845 273 0010
Monday to Friday 9.00am to 5.00pm.
We may record and monitor calls. Call charges will vary.
Key documents
OLP Connect Data Application Form (W11904)
PDF: 2.76MB
PDF: 2.76MB
Guide to Critical Illness Cover (W11353)
PDF: 1.03MB
PDF: 1.03MB
CIC Policy Terms and Conditions (W13369)
PDF: 361KB
PDF: 361KB
Product Profiles (W12549)
PDF: 354KB
PDF: 354KB
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