Mortgage protection insurance pays off your mortgage if you die, so your loved ones can stay in their home without the burden of monthly payments.
Rating shown is for our main broker partner, Reassured, as of July 2025.
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If you die, the payout clears your mortgage so your family can stay in their home.
Cover reduces in line with your mortgage, so you only pay for what you need.
Often more affordable than standard life insurance because cover decreases over time.
Trusted UK life insurance providers
Please note that some of the brokers we work with may not provide quotes from all of the insurers featured on our website.
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If the worst happens, your mortgage is paid off
See real examples of decreasing term cover based on age and budget. Cover decreases over time to match your mortgage balance.
| Age | Initial Cover | Term | Insurer |
|---|---|---|---|
| 30 | £151,654 | 20 years | Aviva |
| 35 | £108,171 | 20 years | Aviva |
| 40 | £80,221 | 15 years | Aviva |
| 45 | £49,356 | 15 years | Aviva |
| 50 | £40,167 | 10 years | Aviva |
| 55 | £26,754 | 10 years | Aviva |
| 60 | £15,314 | 10 years | Aviva |
| 65 | £10,314 | 10 years | Aviva |
| 70 | £5,603 | 10 years | Aviva |
| Age | Initial Cover | Term | Insurer |
|---|---|---|---|
| 30 | £477,678 | 20 years | Aviva |
| 35 | £346,996 | 20 years | Aviva |
| 40 | £262,162 | 15 years | Aviva |
| 45 | £166,343 | 15 years | Aviva |
| 50 | £127,667 | 10 years | Aviva |
| 55 | £73,245 | 10 years | Aviva |
| 60 | £34,265 | 10 years | Aviva |
| 65 | £20,488 | 10 years | Aviva |
| 70 | £11,200 | 10 years | Aviva |
Quoted rates are based on decreasing term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 2nd February 2026.
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