Partnering with MetLife to offer MortgageProtect.

MetLife MortgageProtect offers protection for Mortgages. There are 3 levels of cover to choose from, so you can find the right level for you depending on your lifestyle, health and the size of your monthly mortgage repayment.

Core Cover option is accident only cover, so we won’t ask you any medical history questions.

Essential12 and Essential24 cover options adopt a quick and easy approach to reviewing your medical history. All our questions focus on significant or recent medical conditions only. We won’t ask you any questions about your family history.

If you need to claim, Core and Essential12 will pay for up to 12 months. Essential24 will pay for up to 24 months.

Each level of cover has a 4 week waiting period, meaning you must be unable to work for 4 or more weeks to receive the first payment. However, you can
submit your claim in advance if you know you’ll be unable to work, and we’ll make benefit payments to cover you from the first day you were unable to work.

Cover Options.

Core
  • Accident only cover
  • 4 week waiting period
  • 12 month benefit payment period
  • No health questions asked
Essential12
  • Accident & illness cover
  • 4 week waiting period
  • 12 month benefit payment period
  • Health questions asked
Essential24
  • Accident & illness cover
  • 4 week waiting period
  • 24 month benefit payment period
  • Health questions asked

How it Works.

STEP 1 – You can take out a MortgageSafe policy during your mortgage application process, or at any time. You can cover part or all of your monthly mortgage repayment amount – up to a maximum of £1,500 per month. Your adviser can discuss your needs with you and help you do this.

STEP 2 – Once you’ve agreed the level of cover which is right for you, your adviser will confirm your premium and coverage agreed and complete your digital application.

STEP 3 – If you have an accident or are ill and expect to be unable to work for 4 weeks or more, contact our claims team on 0800 917 0100.

STEP 4 – Our expert claims team aim to assess your claim within 5 working days.

STEP 5 – Once accepted, we’ll pay lump sums of money to help cover your mortgage costs during the period you are unable to work. We can also send the payment directly to your mortgage lender – whichever is most convenient for you.

Comparing Your Options.

Compare what cover is offered in options Essential12 and Essential24:

Essential12
Needs summary:
  • Self-employed business owner
  • Growing family
  • Looking to up-size the home
To help protect the everyday with:
  • Flexible levels of protection which can be increased or decreased to meet current circumstances.
  • Child Cover option to cover all eligible children, present and future.
  • Confidence that, without Statutory Sick Pay entitlement, the home and the family are protected for up to 12 months.

£14.06 per month for £800 mortgage payment benefit coverage. This includes £3 for Child Cover.

Essential24
Needs summary:
  • Employed in a secure career
  • Concerned about limited sick pay benefits
  • Considering re-mortgaging to focus on home improvements
  • Active teenage family
To help protect the everyday with:
  • Reassurance that health questions typically only look back 2 years.
  • Child Cover option to cover an active family.
  • Flexible cover for up to 24 months which can be reduced at any time.

£36.36 per month for £800 mortgage payment benefit coverage. This includes £3 for Child Cover. 

Contact Us
Online Form

If you would like to know more information or find out how to purchase this cover – simply complete our quick online form and we will be in touch.

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Expert Advice

Would you like to speak to our Head of Protection, George? If so, simply book a date and time that’s convenient for you using our booking system.

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