What happens if you need cover quickly in order to complete a house purchase?

You need to take action now. Complete the quotation form now and within 24 hours ClickLife will phone and sort everything out for you.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

What is Mortgage Payment Protection Insurance?
Mortgage Payment Protection Insurance pays your monthly mortgage repayment if you were off work due to sickness, accident, or unemployment. (Don’t forget that your home is at risk if you fail to keep up the repayment of loans secured against it.)
Are There Any Situations That Would Result In My Claim Being Refused?
Yes there are the usual exclusions. These are summarised below but you should carefully read the paperwork that comes with your insurance documents.
You have an Interest Only Mortgage. What sort of Life Insurance do you need?
You need normal, level cover, Life Insurance.
When would normal Life Insurance be used in connection with a mortgage?
Term Insurance is another name for Life Insurance. Normal Life Insurance is used if you have an interest only mortgage.
How long should you insure for?
For mortgage protection purposes you should also insure yourself for the same number of years that are remaining on your mortgage. The initial sum insured should always equal the capital sum outstanding on your mortgage.
In our experience, the insurance companies accept about 1 in 3 applications as soon as they receive them. They can then place you on risk within minutes.

If your application is not immediately accepted and you are in a hurry, the alternative action depends upon the reason the insurance company would not immediately accept your application. (Incidentally, most insurance companies give you free Accidental Death cover whilst your application is being considered.)

In most cases, the delay will be connected to some query relating to your health. In this circumstance, the options available will depend on the nature of the query about your health. However, there are things we can do to speed matters along.

In the worst-case scenario, our Product Partner ClickLife may be able to place your business with one of the few insurance companies who will place you on risk whilst your case is still being considered. This will mean that they cannot place your business with the very cheapest insurance provider but you will get cover quickly.

Frequently Asked Questions related to the above topic.
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