There are many existing threads/posts on mortgage repayment protection insurance. In many cases such policies are bad value for money with the premiums inflated with high charges/commissions and the policy only paying out for restricted amounts, for restricted periods of time in restricted circumstances. In some (many?) cases somebody who needs this sort of cover might be better off looking at a more comprehensive income or permanent health insurance policy. Again do a search for existing posts on these. Contact a broker or independent financial advisor for more guidance.