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Mortgage protection provides coverage to your mortgage in case the insured died or becomes disabled.


If your house is the biggest investment in your life and you want to protect it as much as you can, buying only home insurance might not be enough. Home insurance protects only the physical building and the personal belongings, but if does not provide coverage to protect the mortgage.

When a home owner died or becomes disabled, there exists a difficulty (for the insured or his/her family) to pay off the mortgage due to loss of income. The mortgage protection insurance, in this case, will help paying off the outstanding mortgage or provide income for future payment.

The term of the policy depends on the repayment period of the mortgage: 15, 20, 25 or 30 years. Because the outstanding mortgage balance changes overtime, premiums are not fixed. If the insured died, the policy’s current value is the amount the beneficiaries will receive.

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