Mortgage life insurance

If you are looking for cover to protect your mortgage we offer mortgage life insurance, which we call mortgage term assurance. This is designed to help pay off your mortgage in the event of your death.

People also refer to it as mortgage cover, mortgage life assurance and mortgage protection.

Protecting your mortgage is similar to protecting your family. All the important common detail can be found under the product options which you must read, as well as the appropriate key features and policy conditions PDF's. You can open and download these from the right-hand menu.

We offer two types of mortgage life insurance: mortgage term assurance and mortgage decreasing term assurance.

• Mortgage level term means the amount you are insured for remains the same throughout the term of your mortgage life insurance policy, unless you choose to exercise your guaranteed insurability option.
• Mortgage decreasing term means the amount decreases over the term of your mortgage life insurance policy. This cover is designed to help protect a repayment mortgage, so that the amount of insurance decreases roughly in line with your remaining mortgage debt. Your premiums will remain the same unless you exercise your guaranteed insurability option.
  

What is different about our mortgage life insurance compared to life insurance to cover your family?

When you purchase mortgage life insurance with us, you'll receive details of our free 24-hour moving day rescue service, SmoothMove. So if there's an emergency when you move house, services such as car recovery, hotel accommodation and legal advice are just a phone call away.

To provide SmoothMove, Legal & General have teamed up with Inter Partner Assistance, one of the largest international emergency assistance organisations. This is an additional benefit to customers of Legal & General at no extra charge.