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Mortgage Essentials | Assurant Intermediary | Total ASU | Assurant IP | Income Protector | Loan Protector ASU + Life | C E T A | |||
Unemployment Sickness & Accident |
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Unemployment only |
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Sickness & Accident only |
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Paper based |
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Available on Internet |
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Restricted to mortgage holders only |
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Free cover |
3 Months | 3 & 6 Months |
3 Months |
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6 Months |
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Back to day one cover ? |
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Cover in addition to mortgage amount |
25% | 33% | 50% | 25% | Household costs | 25% | n/a | n/a | n/a | to policy maximum |
Maximum Benefit |
Mortgage + 25% to £1500 |
Mortgage + 33% to £3000 or 75% gross income |
£2,000 or 75% gross income |
£1,500 or 65% gross |
£2,000 or 75% gross - up to £2,500 in certain circumstances |
£2,500 |
£1,000 |
£2,000 or 65% gross income |
£2,000 |
£2,500 or 75% gross income |
Excess or waiting period in days: Back to day one = BTD1) |
BTD1; 30 |
BTD1; 30; 60 & 180 |
BTD1; 30 & 60 |
BTD1; 30 | BTD1; 30 & 60 | BTD1; 30 & 60 | BTD1 | BTD1; 30 & 60 | BTD1 | BTD1; 30; 60 & 180 |
Initial exclusion on Unemployment for new / remortgages |
30 days | 90 days for Unemployment |
90 days for Unemployment | 30 days | 90 days for Unemployment | 90 days for Unemployment | 90 days for Unemployment | 60 days for Unemployment | 60 days for Unemployment | 30 days for New borrowers 60 days for Existing borrowers |
Initial exclusion on Unemployment for existing mortgages |
120 days | 90 days for Unemployment |
90 days for Unemployment | 120 days | 90 days for Unemployment | 90 days for Unemployment | ||||
Benefit period |
12 months |
12 & 24 months
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12 & 24 months | 12 months | 12 & 24 months |
12 & 18 months |
12 months |
12 months |
12 months |
12 & 24months |
Monthly premium rates per £100 benefit Benefit period 12 months, 30 day excess/waiting unless stated |
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Full ASU |
18-24 £2.16 25-29 £2.53 30-34 £3.04 35-39 £3.54 40.44 £4.24 |
£2.65 to £5.87 dependent upon excess period and / or free cover period chosen | £3.37 to £3.90 dependent upon excess period 60 day to BTD1 |
18-24 £1.93 25-29 £2.25 30-34 £2.71 35-39 £3.15 40.44 £3.78 |
£6.82 to £5.12 dependent upon excess period 180 day to BTD1 | £3.60 to £4.95 dependent upon excess period 60 day to BTD1 | £5.00 |
£7.04 to £8.15 dependent upon excess period 60 day to BTD1 |
Life only £2.19 Life + ASU £6.95 Life + Disability £5.04 Life + Unemployment £5.04 ASU £4.76
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£4.64 to £4.95 dependent upon excess period 60 day to BTD1 |
Accident & sickness |
18-24 £2.16 25-29 £2.53 30-34 £3.04 35-39 £3.54 40.44 £4.24 |
£1.79 to £3.82 dependent upon excess period and / or free cover period chosen | £2.02 to £2.34 dependent upon excess period 60 day to BTD1 |
18-24 £1.04 25-29 £1.37 30-34 £1.72 35-39 £2.16 40.44 £2.72 |
£3.75 to £2.81 dependent upon excess period 180 day to BTD1 | £2.25 to £3.15 dependent upon excess period 60 day to BTD1 | £4.25 | £4.15 to £4.81 dependent upon excess period 60 day to BTD1 | £3.31 to £3.40 dependent upon excess period 60 day to BTD1 | |
Unemployment |
As above |
£1.58 to £3.82 dependent upon excess period and / or free cover period chosen | £2.02 to £2.34 dependent upon excess period 60 day to BTD1 | £4.25 | £5.36 to £6.20 dependent upon excess period 60 day to BTD1 | |||||
Monthly premium rates per £100 benefit Benefit period 24 months, 30 day excess/waiting unless stated |
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Full ASU |
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£4.10 to £8.60 dependent upon excess period and / or free cover period chosen | £5.02 to £5.82 dependent upon excess period 60 day to BTD1 | |
Upon application
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18 month £4.15 to £5.78 dependent upon excess period 60 day to BTD1 |
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£6.26 to £6.10 dependent upon excess period 60 day to BTD1 |
Accident & sickness |
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£2.87 to £5.52 dependent upon excess period and / or free cover period chosen | £3.16 to £3.71 dependent upon excess period 60 day to BTD1 | |
Upon application |
18 month £2.62 to £3.68 dependent upon excess period 60 day to BTD1 |
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£4.26 to £4.38 dependent upon excess period 60 day to BTD1 |
Unemployment |
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£2.45 to £5.52 dependent upon excess period and / or free cover period chosen | £3.16 to £3.71 dependent upon excess period 60 day to BTD1 | |
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Premium payment |
Monthly DDM |
Monthly DDM |
Monthly DDM | Monthly DDM | Monthly DDM |
Monthly DDM |
Monthly DDM |
Monthly DDM |
Monthly DDM |
Monthly DDM |
Renewal period |
Monthly |
Monthly |
Monthly | Monthly | Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Monthly |
Benefit split |
Single & Joint |
Single, Split & Joint |
Single & Joint | Single & Joint | Single & Joint |
Single & Joint & Joint |
Single |
Single |
Single |
Single & Split |
Underwriters |
Genworth |
Paymentshield |
Hitachi Capital | Genworth | Assurant | Hamilton | Assurant |
Hitachi Capital | Hitachi Capital | NIG;Groupama & Pinnacle |
Additional comments |
Mortgage Payments Protection Insurance Age related premiums pegged at the price first issued Initial payment holiday available if required |
3 & 6 Months FREE cover at start option Back to Day one cover available. Ideal for those with another insurance provider - they will benefit from the 3 months FREE COVER offer for existing mortgage borrowers |
3 Months FREE cover at start option Back to Day one cover available First Time Buyer DISCOUNT Immediate cover if transferrings |
No free offers. Comprehensive cover at fixed low cost. Free "back to work" assistance |
Mortgage or RENT plus other household costs. Up to £2,500 cover in certain circumstances Immediate cover if transferring Option of LIFE COVER up to 12 times monthly benefit |
6 months "Free & Easy" option (12 month only) | Stand alone ASU Can be used to top up MPPI policies
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Stand alone ASU Can be used to top up MPPI policies
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Specifically designed to cover loan payments by way of ASU & Life insurance - big savings on lenders own products Up to £50,000 life cover if chosen at outset
Secured & Unsecured
loans covered |
Age banded alternatives available - rates similar
to Mortgage Lifeline Competitive up to age 48
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