My other concern is do I inform BOI/Lifetime who I arranged this cover with 11 years ago when we first took out the mortgage on our current home. I'd be concerned that later down the road they might refuse a claim from my wife if I were to die from some other form of chronic illness if I do not inform them of the current condition and treatment.
We really want to leave them, as we are being fleeced on their SVR
If you are not working and not in receipt of income, you will have to say so.
But is there a question about health on the application form for a mortgage?
My other concern is do I inform BOI/Lifetime who I arranged this cover with 11 years ago when we first took out the mortgage on our current home. I'd be concerned that later down the road they might refuse a claim from my wife if I were to die from some other form of chronic illness if I do not inform them of the current condition and treatment.
If you have salary protection through your job it generally pays 75-80% of your wages.
Is mortgage protection necessary in that case? I think mortgage protection only starts to pay out after a couple of months anyway.
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