My partner has been received two postpone decisions for mortgage protection insurance. We spoke to a broker who advised that my partner will most likely not get cover at the moment so we should seek a waiver from the bank. We are selling our current home to buy another and are sale agreed on both, but haven’t signed contracts yet. The mortgage we are seeking is €500k over 30 years. We already have a mortgage insurance policy worth €244k over 28 years and it is not assigned to our current house/mortgage, so we can shorten the term of our new mortgage to 28 years and offer to assign it to the bank. The shortfall after applying our current policy would be €256k which is an amount I would be eligible for if I were applying for a mortgage on my own. My partner also has €400k of death in service benefit, which I understand cannot be assigned to the bank, but would be worth €273k after inheritance tax which I theoretically could use to clear the shortfall should the worst happen. I can get full cover and we have no dependents. What are our chances of being granted a waiver based on the above? Has anybody else been granted a waiver using an existing policy to cover part of a new mortgage?