Five-star mortgage insurance
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.

Get something back for your premiums
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Up to 40% off your starting premium1
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40% off monthly gym membership2
(a joining fee applies)
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A weekly reward cinema ticket at Cineworld or Vue 3
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Up to £100 cashback a year
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And much more besides.
Mortgage protection vs life insurance
Get Mortgage Protection if you:
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Want to pay off or reduce your mortgage if you become terminally ill or die
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Need to pay off or reduce your mortgage if you're diagnosed with a serious illness (on plans with Serious Illness Cover for Mortgages)
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Want to be able to care for a seriously ill child without worrying about the mortgage (Optional Serious Illness Cover for Children)
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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 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.
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.
FAQs - Mortgage protection life cover explained
Do I need life insurance for my mortgage
Do you have to have life insurance with a mortgage
Does life insurance cover mortgage payments
How does mortgage protection life cover work
What is mortgage protection insurance

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
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.