mortgage protection insurance income protection insurance

accident sickness unemployment

A listing of the income protection and mortgage payment insurance policies that we have available, suitability and how to apply
mortgage payment protection insurance

We offer a single combined income protection and mortgage payment protection insurance policy for redundancy only, redundancy accident and sickness or accident and sickness only. 
Click here for an immediate quote

General advice on mortgage and income protection insurance Our home page with other insurance contracts

Back to our general information page on mortgage protection income protection insurance and accident sickness and unemployment insurance (ASU)

Name/ Location (Click Link) Product Type Very short summary of features Typical rates
Commitments Alpha Contract Mortgage Protection

Benefits of Beta Contract

Back to work Package

Hospitalisation Benefit

3 month payment holiday

Combined ASU only

Two months carer's benefits

£4.50% - 12 months Combined
Commitments Beta Contract Mortgage Protection

12 or 24 months cover

Mortgage payments + 100%

OR Rent payments + 100%

OR Loan repayments+100%

60 day i.e.p.

Back to day one after 30 days

Choice of ASU, AS or U (max benefit £1,500 for U only)

£4.25% - 12 months Combined
Goodmortgageprotection

(Apply online)

Mortgage protection only

12 month benefits

Mortgage payments + 25%

Maximum £1,500 or 65% income

3 months free cover

No initial exclusion on transfers or new mortgages/ remortgages

Should be OK for IT/ banking/ finance

Unemployment only : £2.45%

Disability Only : £2.45%

Combined cover: £3.95%

Income Protection Insurance 

The BIBA contract. Apply Online

Income protection insurance only

12 month benefits

Not mortgage related

Initial Exclusion Period 120 days

No IT

Unemployment only : £4.00%

Disability only : £3.00%

Combined cover: £5.00%

IT Income protection

Income protection for people working for companies in IT), Telecommunications, Media, Airlines Airports and Travel, certain elements of Financial Services (Investment Banking, Stock broking, Dealing in Securities, Money Broking), Recruitment.

Income protection only

12 month benefit

60 day excess

180 day initial exclusion period

Designed for 'High Risk' (IT/ banking/ finance/ tourism/ airline etc)

Max £1,000 or 50% income

Combined cover: £7.50%

Company prides itself on claims service

Loan payment protection insurance

Apply Online

Loan payment protection insurance

12 month benefits

£1000 or loan repayments

Initial exclusion period: 60 days

Exclusion free transfer

Unemployment only: £2.50%

Disability only: £2.50%

Combined cover: £4.00%

MortgageLifeline

Call us on 0870 7456247 and we'll send you the policy summary/ key facts or use this mortgage protection contact form

Mortgage protection only

Cheaper rates for younger proposers

Option to take an excess

Mortgage payments + 25%

12 month benefits

30 day initial exclusion - new

120 day initial exclusion - existing

3 months free cover

Back to work assistance

Unemployment only: from £1.17

Combined cover: from £2.16

(18-24 with a 30 day excess.)

Unemployment only: £2.37

Combined cover: £3.65

(30-34 with no excess)

Mortgagesureplus

Call us on 0870 7456247 and we'll send you the policy summary/ key facts or use this mortgage protection contact form

Mortgage and Income Protection

Better options if new mortgage

Mortgage payments + up to 100%

12 or 24 month benefit period

Maximum sum insured £1,500

Back to day one or 30 day excess

30 day initial exclusion - new

90 day initial exclusion - existing

Exclusion free transfer

Back to work assistance

12 month benefits

U/E or disability: back to day one: £3.54

U/E or disability: 30 day excess : £2.58

Combined - back to day one: £6.43

Combined - 30 day excess: £4.68

24 month benefits (new only)

Disability only: 30 day excess: £3.09

Combined: 30 day excess: £5.62

Day One Income Protection
(Application available online)
Mortgage and Income Protection
(Click here for comparison of two)

Options for both income and mortgage

12 month benefits

Back to day one

May look at IT workers as well

Cover twice your mortgage payments

Initial exclusion period: 30 days MP

Initial exclusion period: 90 days IP

Different rates for MP/IP

MP: U/E OR Disability : £3.5%

MP: U/E AND Disability: £5.5%

IP: U/E OR Disability : £4.0%

IP: U/E AND Disability: £6.25%

DMS Combined income protection and mortgage payment
(Now Apply Online)

Options for both income protection and mortgage payment  insurance

12 month benefits

Back to day one, 30 or 60 day excess

Initial Exclusion period 60 days

Different rates for IP/ MP

Company prefers combined cover.

Difference between AS and ASU small

Great claims service

 

DMS Mortgage Protection
(Now Apply Online)
Mortgage payment insurance

12 Month Benefits

Back to day one, 30 or 60 day excess

Prefers AS or ASU to U

Include mortgage related +25%

Excess U/E AS ASU
Nil £2.50% £2.50% £3.75%
30 £2.35% £2.35% £3.25%
60 £2.25% £2.25% £2.75%
DMS Income Protection
(Insurance now available online)
Income protection only
No high risk occupations

12 Month Benefits

No mortgage needed

Payments can be made to third parties

e.g. payment to landlords by tenants

(Rent protection)

Back to day one, 30 or 60 day excess

Up to £1000 per month cover

Excess U/E AS ASU
Nil £4.00% £3.40% £4.85%
30 £3.50% £3.05% £3.95%
60 £3.15% £2.80% £3.65%

Great Claims Service

DMS/ Day One | BIBA Scheme | DMS income protection | PHI application form | permanent health insurance information | High risk product | loan payment protection insurance | mortgage insurance information | mortgage payment protection insurance | Request information | DMS Mortgage Protection Scheme | redundancy insurance | redundancy insurance contact form | redundancy insurance information | unemployment insurance | unemployment insurance application form | Why you need ASU | unemployment redundancy insurance | redundancy insurance | accident sickness unemployment mortgage need for income protection insurance | income protection insurance claims | more income protection | day one cover | help  | eligibility | key features | extra | IT income protection
Contact us for any further information on how to protect your payments against accident, sickness, unemployment (ASU), by income protection, loan protection and mortgage protection insurance.