Total Mortgage Protection Plan

Your mortgage is one of the biggest financial commitments you may ever make, so why not protect your home and your family with the Halifax Total Mortgage Protection Plan?

The plan protects you from the financial impacts of losing your income if :

• you suffer from accident or illness
• you lose your job
• you die
• you suffer from a specified critical illness
• you become a full time carer for a relative. 

It is made up of three different types of cover:

• Mortgage Repayments Cover* can provide the reassurance of a regular payment for up to one year to meet your mortgage payments and related bills if you become unemployed, or if you suffer an accident or sickness, or a lump sum payment if you become a full-time carer for a relative. Please see the Association of British Insurers independent consumer guide to payment protection for more information about this type of cover.
• Life Cover* offers your family the peace of mind of a cash sum to repay your mortgage if you die during the term of the plan.
• Critical Illness Cover* can give the financial security of a lump sum payment if you were diagnosed with a listed critical illness. What's more, the plan would pay out even if you subsequently make a full recovery.

Total Mortgage Protection Plan offers the following benefits:

• Tailored to your circumstances so you only pay for the cover you need
• Flexible, so you can adjust the level of cover as often as you like without having to pay a fee
• Standalone plan – you don't have to have a Halifax mortgage and if you decide to switch your mortgage from one lender to another, you can still keep your existing plan going
• One direct debit to cover your mortgage repayments cover, life cover and critical illness cover
• Select different levels of cover for you and your partner

* As with all insurance policies some exclusions may apply. For more information on the terms of the plan including any eligibility requirements and exclusions, please read the plan conditions, a copy of which is available on request (please call 0845 603 8309 if you wish to request a copy of the plan conditions.)

Mortgage Repayments Cover is underwritten by Halifax Insurance Ireland Limited. Incorporated in Republic of Ireland No. 323923.

Life and Critical Illness cover is underwritten by St Andrew's Life Assurance plc. Incorporated in England No. 3104670.