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Financial Services > Mortgages > Mortgage Payment Protection Insurance > Income insurance

Mortgage Payment Protection Insurance – for income insurance

Mortgage Payment Protection Insurance (MPPI) is an insurance policy designed to cover the risk of a mortgage loan. Although mortgages are a part of life for most people, they do represent a major debt, and borrowers need resources to meet mortgage loan repayments. Mortgage payment protection insurance covers in case of redundancy, illness or accident that interrupts your income.

A mortgage payment protection insurance policy gives borrowers guaranteed peace of mind that their home will not be repossessed in the event of a failure to make mortgage repayments. MPPI will cover the outgoings of a mortgage borrower for an allotted period, usually 12 months. This gives borrowers valuable breathing space to get back on their feet.

Due to the diverse nature of the market, insurance policies that cover mortgage loan repayments vary in price. Many borrowers pay over the odds for their mortgage payment protection insurance, accepting the first quote they are given and paying too much for the duration of their mortgage. The potential overpayment, and hence saving, is enormous. MPPI is the ultimate security for a borrower, but it should come at the right price.

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