Why you need mortgage protection insurance and how to get the best quote
- Daft.ie Insights
- May 18, 2023
- 1 min read
Mortgage Protection Insurance pays off your outstanding mortgage if you die.
Securing mortgage protection can sometimes cause delays, which is why it makes sense to get it sorted as soon as possible.
To get the best rate, advice and fastest approval you should always go to an independent broker.
If you are in good health a competitive mortgage protection insurance policy on a mortgage of around €200,000 should come out at around the €20 a month.
So apart from the rate, what’s important when you are picking your mortgage protection insurance?
Dual Mortgage Protection Insurance. Unlike some of the other add ons, dual mortgage protection insurance or mortgage life cover can make a lot of sense for most couples.
Conversion Option or Guaranteed Insurability. One big trap to avoid with life insurance for your mortgage is that after a health scare, premiums rocket or you may not be able to get insured at all.
Underwriting Approach. If you’re as fit as a fiddle this doesn’t make much difference, but if you have any health conditions or family history then knowing which provider is most likely to underwrite your mortgage insurance policy becomes the single most important thing.
Brokers are matching customers with providers all the time and know which providers are likely to give you the best combination of mortgage protection insurance approval odds and price.
You can book a free advice call from our partners below or you can read more about your life insurance and the best mortgage protection insurance options here.
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