I'm insured offers quotes from providers cheaper than if you were to apply direct.
We aren't owned by or have any investment from any insurance company.
Using our market comparison tool you can get quotes from a wide range of insurers in a matter of moments.
It’s an incredibly simple process as you don’t need to provide much more detail than your mortgage amount and period, your date of birth, your sex, and whether you are a smoker (or recent quitter.) Once you see the list of prices you can read full details on any policy before going on to buy it.
In many cases, the price available through us will actually be cheaper than you’ll find from going directly to the insurer in the first place. That’s because we don’t claim the full commission which the insurers offer to some comparison services to win business.
We also include the option to search for critical illness cover, which is a common add-on with mortgage protection policies. It means that if you develop a critical illness the mortgage protection policy will pay out immediately, meaning you don’t have to worry about being unable to pay the mortgage if and when you stop work for medical reasons.
You can also choose between single and joint policies. The latter is a little more expensive, but means that two people can be covered. The policy will pay out if either person dies before the mortgage term ends, though it only pays out once.
While our comparison tool is suitable for most customers, you may want to contact us for a custom quote if you have special circumstances. The most common of these is having a pre-existing health condition that could affect the premium an insurer offers you.
Before buying any mortgage protection policy, be aware of a couple of important legal points. It’s not a saving scheme and it isn’t classed as an investment. The policy only pays out if you die during the mortgage term, so it’s possible your beneficiaries won’t get any payout, or could receive less money than you’ve paid in. You also need to be aware that by taking out a policy you commit to paying all the premiums; if you stop paying, you won’t get any refunds and your cover will usually cease.
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That means you can nominate somebody to look after the money if you die and there’s a payout before you want the intended recipient to get the money. A common example is parents who want to have the payout go to a child only once the child turns 18 or 21. Putting a policy into trust also ensures that the payout goes to your intended recipient and can’t be seized by creditors if you have any debts when you die. There may also be tax benefits to putting a policy into trust.