Mortgage Protection, or Decreasing Term Assurance, is designed to pay off the family's mortgage loan should the life assured die prematurely.

Payment: Decreasing Term Assurance pays out if the life assured dies within a pre-specified period, such as a 25-year mortgage term.

Protection falls in line with the mortgage loan as it is paid off.

Premiums: Premiums are fixed throughout the term of the policy.

Term: Fixed, such as a 25-year mortgage term. The policy pays out only if the life assured dies within the specified term.

Sum Assured

For independent advice on Mortgage Protection (Decreasing Term Assurance), call us on 01202 312288 or email us

Download Financial Services Authority guide to income protection

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