Mortgage life insurance
Help protect your loved ones — and the home you share.
Learn how mortgage life insurance works, what it can cover, and whether it’s right for you.
Nationwide life insurance policies are provided by our trusted partner, L&G.
Get a quote in as little as two minutes.
Apply online and receive a £75 gift card for M&S or Amazon, terms apply.
Make sure you understand our eligibility criteria and have read our important documents.
- For family protection you must be 18 to 77.
- For mortgage protection you must be 18 to 74.
- If you add critical illness cover, you must be 18 to 67
Terms, limits and exclusions that apply are explained in the Policy Summary document (PDF, 228KB - opens in a new window).
What is mortgage life insurance?
Owning a home is one of the biggest financial commitments you’ll have. Mortgage life insurance gives you peace of mind by removing the burden of repayments if the worst should happen. If you passed away during the policy, the pay out could help clear your mortgage. So your loved ones wouldn’t need to worry about the repayments.
And if you include critical illness cover, it could also support you if you became ill with one of the illnesses covered by the policy. Helping with your mortgage or other essential costs. Critical illness cover is available at an additional cost.
Information:
When Heidi first took out life insurance, she didn’t think critical illness cover was something she needed. It was only after her cancer diagnosis that she realised how much the right financial support could have eased the pressure on her family.
What does life insurance cover?
Here’s a quick look at what our policies include. See a full list of what is and isn't covered in our Policy Summary document (PDF, 228KB - opens in a new window) before you apply.
What’s covered
- Cash lump sum payment
- Guaranteed premiums
- Accidental death benefit
- Terminal illness cover
What’s not covered
- Not paying your premiums
- No cash value
- Suicide or intentional self-injury in the first year
- You’re only covered for the policy term
- Mortgage life insurance might not completely pay off your outstanding mortgage unless you make sure your cover amount is adjusted to match any new mortgage arrangements
If you add on critical illness cover
Available as a separate policy for an additional cost.
- Accident Hospitalisation Benefit
- Children’s Critical Illness Cover
- Childcare Benefit
- Family Accommodation Benefit
- Child Funeral Benefit
Is life insurance affordable?
It could be more affordable than you think. For around the cost of an ad-free streaming TV subscription each month (around £6–£20 in the UK), most adults could get life cover that helps protect them and the people who rely on them.
Source for streaming information based on CEO Today, leadership insight (opens in a new window).
A guide to life insurance for every life stage
Your circumstances can change over time. Our guide explains what life insurance covers and helps you consider whether you have enough protection in place for the people who matter most.
Get cover you can rely on
We’ve partnered with L&G – one of the UK’s top life insurance providers. Getting a quote takes 2 minutes, and you could have cover in 20 minutes.
By continuing to get a life insurance quote, you're confirming you meet the age requirements to apply for life insurance.
Family life insurance
If you’re considering other types of cover, you can also explore our family life insurance.
Make a life insurance claim
Our life insurance policies are provided and managed by our trusted partners, L&G.