Mortgage protection provides you with life cover if you have a repayment mortgage. Its aim is to pay off your mortgage if you or your partner (if it is a joint plan) die during the term of the plan*.

Who can apply?

Anyone who is eligible to apply for a Police Mutual plan can apply. Find out if you’re eligible here.

How and why will I need to prove my identity?

To comply with money laundering regulations, we may carry out an on-line identity check with a reference agency when you apply. The agency will add a note to your credit record to show that an identity check has been made, but this information will not be available to anyone else and will not affect your credit rating.

You can find out more about why we need to check your identity on the Financial Services Authority website.

How much cover do I need?

You’ll need to make sure the term and amount of cover are sufficient to pay off your mortgage in full, unless you have any other life insurance which could be used. For example, if you have a 25 year mortgage for £150,000 you’ll need 25 years’ cover for £150,000.

What is the plan term?

The plan term - or term of plan - is the period of time that the plan is active. You can choose a term of between 1 and 40 years.

The plan term is up to you – but if you have a 25 year mortgage and only take out a 20 year plan, your home will be at risk if you die in the uninsured five years. It is always advisable to match your remaining mortgage term.

Don’t I have to get mortgage protection from my mortgage provider?

Some mortgage lenders offer free periods of cover when you first take out your mortgage – this could save you money in the short-term. However, it’s worth checking their rates over the term of your mortgage, as you could make more savings by moving to another mortgage protection provider.

When does the plan pay out?

The plan only pays out if the person covered in the plan dies. There is no payout at the end of the term or if you decide to stop the plan early.

How long will it take to complete the application?

The application should take no more than ten minutes to complete.

What do I need to decide before completing the application?

Whether you’d like a joint application (which pays out if you or your partner dies) or a single application – for you or your partner alone
The amount of money you’d like your dependents to receive
How long you’d like the plan to provide cover for – between one and forty years

I have applied for a plan - are the rates guaranteed?

As soon as your plan has been written, the payment rates are guaranteed for the full term.

I don't have any other plans with Police Mutual - how do I know if my force allows deductions from salary/pension?

We have a full list of all forces offering deductions from your salary or pension.

How do I apply?

Before applying make sure you’ve read the product information and the key features pages. You’ll need to have your bank details or payroll number to hand along with any details of your medical history.

You can:

Apply online
Call us on 0845 88 22 999
Print out an application form and return it to the freepost address on the form

We will also need to know your height/weight details in metric measurements and you may need to provide your GP’s details. If you only know the imperial measures, use our conversion calculator.

If you’re applying for joint cover or your partner is to be the life assured, you’ll need their details as well.

After I have applied - who do I contact for updates?

We will treat your application as a priority. If you have any questions about the processing of your application, please contact us on 0845 88 22 999.

* Assuming interest rates do not rise above 9% for a substantial period.

PMAS Mortgage Protection

Frequently asked questions

What is mortgage protection?