Life Cover

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What is Life Insurance?

Life insurance will pay out a sum to your loved ones if you pass away during the term of your insurance contract. This pay out will give your loved ones financial stability allowing them to focus on moving forward without needing to worry about practicalities.

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Do I need Life Insurance to Cover my Mortgage?

No matter how carefully we plan, the future is always filled with the unknown. It is almost unthinkable, but should the main earner in your family pass away, it can become difficult to pay the mortgage. Mortgage life insurance guarantees a future in your home for your dependents.

Taking out life cover is often necessary when securing a mortgage. This can often seem daunting at first, but we can assist you in applying for both at the same time to keep things simple and straightforward.

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How much will I pay for Mortgage Life Insurance?

How much you pay is determined by a few factors. These are factors such as your age, health, whether you smoke, and what work you do. The amount you pay is also dependent on the amount of cover you want and your desired policy duration.

The Mortgage Genie will help you go through all of these factors and come up with the best price to suit your needs.

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How The Mortgage Genie can help

Here at The Mortgage Genie, we can build a life insurance package to best suit you and your family’s needs. Whether that be for a short period of time to cover a small debt, or a long period of time to cover a larger debt. We can also find mortgage life insurance with no term so that you are covered no matter what.

We offer no-obligation complimentary advice to customers across the UK. During the initial chats we will establish your needs so that we can recommend the most suitable cover for you and your family. After this, we will determine a sum that would suit your needs: whether that is life insurance to cover your payments, or you want to leave a lump sum to your dependents. We can tailor life cover to suit you (even if you are over 50).

Here at The Mortgage Genie, we work with some of the UK’s leading insurance providers, allowing us to find you competitive prices on a wide range of life insurance policies. We will even help with the dreaded paperwork, to make sure that the process is efficient and straightforward.
Death can be a difficult subject to think about, but planning financially will ensure that your loved ones are never put at risk. The dedicated team at The Mortgage Genie can help you settle on a cover that’s just right for you, allowing you to enjoy life to the full.

As well as life insurance, The Mortgage Genie can help you find other types of cover which are essential for protecting your family and mortgage. Take a look at our mortgage protection insurance, critical illness insurance, income protection insurance, and home insurance to find out more.

Company Information

The Mortgage Genie Limited is Registered in England and Wales with Company Number 9803176. The Mortgage Genie Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.


Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £293 and will never be more than 1% of the mortgage amount.