Information you need to know.

Before applying for mortgage life insurance you should read the Key Features Document (PDF: 1542KB) and Policy Terms and Conditions (PDF: 387KB) carefully to help make sure the policy meets your needs. Both these documents are available on the right hand side of this page.

As with all mortgage life insurance policies, there are things to be aware of:

Risks

• It's essential that you answer all the questions we ask in your application fully and accurately. If you fail to mention something like a medical condition, for example, we may not pay out in the event of a claim.
• For mortgage decreasing term assurance, if your mortgage interest rates average over 10% during the policy term, there may not be enough cover to pay your mortgage off in full.
• Mortgage life insurance policies are not savings or investment products and have no cash value unless a valid claim is made.
• If you stop paying the premiums before the end of your policy, your cover will end after 30 days and you will not get anything back.
• When you apply you need to answer the questions we ask you fully, honestly and accurately. Please don't assume that we'll contact your doctor. It's your responsibility to fill in the application accurately.
• You need to let us know if any of the information you gave us in your application changes before the plan starts.