Skip to Content

Mortgage Protection Life Cover


Get a quote button

Five-star mortgage insurance

Would your finances survive the impact of a sudden injury or illness? Could your family cope financially if the worst happened to you? Depending on your plan our life insurance for mortgages offers either a cash lump sum or monthly payments, offering real peace of mind.

FEATURES OF OUR MORTGAGE PROTECTION INSURANCE
Our Mortgage Incapacity Cover pays your mortgage payments for up to 24 months, if you get injured or ill with one of the conditions we cover and can’t work. Our Mortgage Life Cover can pay off your mortgage if you pass away.

HOW IT HELPS
Knowing your life insurance can cover your house-buying debt helps ease the financial pressure and stress of illness, as well as protect your family.


Five star Defaqto rating Life Assurance

Get something back for your premiums

As the insurer that rewards you for healthy habits, take out life cover with mortgage protection, including Wellness Optimiser, and get money-saving extras like (minimum monthly premiums and T&Cs apply):
  • Up to 40% off your starting premium1

  • 40% off monthly gym membership2

    (a joining fee applies)

  • A weekly reward cinema ticket at Cineworld or Vue 3

  • Up to £100 cashback a year

  • And much more besides.

Mortgage protection vs life insurance

Get Mortgage Protection if you:

  • Tick icon

    Want to pay off or reduce your mortgage if you become terminally ill or die

  • Tick icon

    Need to pay off or reduce your mortgage if you're diagnosed with a serious illness (on plans with Serious Illness Cover for Mortgages)

  • Tick icon

    Want to be able to care for a seriously ill child without worrying about the mortgage (Optional Serious Illness Cover for Children)

  • Tick icon

    Want your mortgage to be paid for up to 24 months while you recover from an illness or injury that stops you working

Types of mortgage cover at-a-glance

Mortgage life cover
Max payment period  Gives your family  lump sum if you die while covered
Min entry age next birthday 17 
Max entry age next birthday 65 
Max expiry age 70 
Min term 5 years 
Max term 50 years 
Min cover £50,000 
Max cover £20,000,000 
Mortgage incapacity cover
Max payment period  Offers up to 24 monthly payments if you’re diagnosed with a condition we cover and you can’t do your job
Min entry age next birthday 17 
Max entry age next birthday 65 
Max expiry age 70 
Min term Max term
Max term 50 years 
Min cover £250 per month
Max cover Lower of:
  • £2,000
  • Equivalent monthly mortgage installment
Serious illness cover for mortgages
Max payment period Provides a lump sum if you’re diagnosed with a condition we cover
Min entry age next birthday 17 
Max entry age next birthday 65 
Max expiry age 70 
Min term 5 years 
Max term 40 years 
Min cover £10,000 
Max cover £3,000,000 

Mortgage Incapacity Cover

  • Pays your mortgage for up to 24 months, if you’re diagnosed with one of the illnesses or conditions we cover and you can’t work. We’ll pay out as soon as you meet one of our definitions of being unable to work.
  • Covers you for 29 conditions, such as cancer (excludes less advanced cases), heart attack, stroke, multiple sclerosis and traumatic accidents that keep you in hospital for at least 10 days.
  • Lets you claim more than once - you can claim as many times as you like, until you receive the maximum benefit of 24 monthly payments across the life of your plan.
Get a quote

Mortgage Life Cover

  • Pays off your mortgage in full if you’re diagnosed with a terminal illness or you die.
  • Lets you increase your cover if your mortgage increases - should you take out a bigger mortgage, our Guaranteed Insurability Options let you increase and extend your cover term, without having to give us more information about your health. If you increase your cover, your premiums will increase too.
  • Gives you up to three months' free cover before you start paying premiums - we'll automatically include Mortgage Free Cover for up to three months. So if anything happens to you between the time you legally commit to buy a home and your first mortgage payment, we'll cover you for up to £300,000.*
  • Covers you for 29 conditions, such as cancer (excludes less advanced cases), heart attack, stroke, multiple sclerosis and traumatic accidents that keep you in hospital for at least 10 days.
Guaranteed Insurability options apply if you’re accepted on standard terms with no exclusions on your plan.
Get a quote

FAQs - Mortgage protection life cover explained

Do I need life insurance for my mortgage

It depends where you are in life and how important peace of mind is to you. If you have a family, for example, knowing your life insurance can cover your house-buying debt should be have to be off work for a while because of long-term illness or injury can help ease the financial pressure and stress it brings, as well as help protect your loved ones.

Do you have to have life insurance with a mortgage

You can choose to have life insurance with a mortgage, but you can also have one without the other. Of course, you enjoy more protection if you get both, but it’s entirely up to you.

Does life insurance cover mortgage payments

It does, but only to pay off or reduce the mortgage for your family if you become terminally ill or die. If you’re not terminally ill, or you need it to cover you when you’re injured and can’t work, you have to also take out our Mortgage Incapacity Cover or Serious Illness Cover for mortgages. This will come at an additional cost to your life insurance cover.

How does mortgage protection life cover work

We have two different types of cover. Our Mortgage Incapacity Cover gives you payment protection for up to 24 months if you suffer a sudden injury or illness, meaning you can’t work. Our Mortgage Life Cover can pay off your mortgage if you pass away.

What is mortgage protection insurance

Our Mortgage Incapacity Cover pays your mortgage for up to 24 months, if you’re diagnosed with one of the illnesses or conditions we cover and you can’t work. It covers you for 29 conditions such as cancer (excludes less advanced cases), heart attack, stroke, multiple sclerosis and traumatic accidents that need you to stay in hospital for at least 10 days. Plus, it lets you claim as many times as you like, until you receive the maximum benefit of 24 monthly payments across the life of your plan.

Get our best savings and rewards

Discounts, savings and rewards.
  • Virgin Active Logo in White
  • Cineworld and Vue white logos
  • British Airways white logo
  • Starbucks white logo
  • Champneys white logo
  • Polar white logo
  • Weightwatchers white logo
  • Evans Cycles white logo
  • Lloyds Pharmacy white logo
  • Garmin white logo
Find out more
Computer icon Get a Quote

All it takes is a couple of minutes.

Get a quote
Phone icon Call us on
0161 2167 595

Speak to a VitalityLife adviser for tailored advice.
Lines open:
8am - 9pm Monday to Thursday
8am - 7pm Friday
9am - 5pm Saturday
Closed - Sunday

Request a callback
1 Minimum monthly protection premiums of £30 for a single policy and £40 for a joint policy apply. The premium discount is available on fixed term policies with Wellness Optimiser for an additional monthly fee of £3.80. This fee is subject to change. To find out about these charges please read our reward terms and conditions.

2 Flexible individual monthly membership. Joining fees are up to £50 for all clubs except Classic Collection clubs, where joining fees are up to £150. This offer does not apply to the Chiswick Riverside Health & Racquet Club.

3 Members on Bronze or Silver Vitality status will need to earn nine Vitality points in a week for getting active to unlock their cinema ticket. Codes are not valid for viewings at Cineworld Leicester Square or for alternative content and special showings. Upgrades for 3D and 4DX films are available at Cineworld for an additional cost. Upgrades for 3D films and VIP seats are available at Vue for an additional cost. VIP seats can only be booked at the cinema and not online. Cinema ticket voucher codes can only be used by Vitality members. In absolutely no circumstances can voucher codes be sold or gifted to third parties by a member.

*To be eligible for Mortgage Free Cover, your plan application must meet all of the following criteria:

- You are using your plan to cover a loan arranged through a recognised financial institution
- You are using your loan to buy or improve your home
- You are not using your loan to pay for a remortgage
- Your loan is not covered by another life assurance policy or free cover arrangement like this one
- You have applied for Mortgage Life Cover or Serious Illness Cover for Mortgages or both, and we have
accepted your application and told you which of your covers the Mortgage Free Cover applies to
- The period from when you applied for your plan to when you are legally committed to a loan for
buying or improving your home –for example when you exchange contracts –is less than four months
- You and any other person covered must be younger than 50 on the date we issue your acceptance
letter
- You have a single life plan or a joint life first death plan.