Now choose between mortgage related, loan related or income related cover:











Please read our explanations of the great features we can offer below:


3 Months Free Cover

If you are taking out the Mortgage Payment Protection Insurance policy to protect a new mortgage or re-mortgage you will receive the first three months cover completely FREE OF CHARGE.

If you are taking out the Mortgage Payment Protection Insurance policy to protect an existing mortgage, then subject to the unemployment exclusion detailed below, you will receive the first three months cover completely FREE OF CHARGE.

Unemployment Exclusion – if you are taking out this Mortgage Payment Protection Insurance policy to protect an existing mortgage, you will not be covered against any unemployment, which occurs during the free cover period. This exclusion will not apply if you transfer your Mortgage Payment Protection Insurance cover from another insurer; provided your existing policy has been in force for at least six months and you have not made a claim under that policy.


Back to Day One Cover

Not only does this insurance have some of the lowest premiums but it also boasts 'back-to-day-one cover'. But what exactly is 'back-to-day-one cover'?

This means that, subject to acceptance, claims are paid back to the very first day of your claim for benefit once you have been unemployed or disabled for a continuous period exceeding 30 days.

For example, if you start your claim on the 1st of May and return to work on the 29th of May, no benefit is payable. If however, your claim exceeds 30 consecutive days you will receive benefit dating back to the first day of your claim (i.e. 1st May). Effectively, for claims that exceed 30 days there is 'no excess' or period during which you are unable to receive benefit.


Choice of Cover Options

This means you can choose to be covered for unemployment only, incapacity only or both combined.


Life Direct is a trading name of UK Life Direct Ltd, The Barn, Riverside Business Park, Natland Road, Kendal, LA9 7SX.
UK Life Direct Ltd is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register/) under reference 213208. The life insurance guidance and/or advice contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.

Website Updated: 27 February 2006