It's a plan you pay into each month for a set number of years and if you die whilst you are covered, we'll pay out a lump sum to help repay your repayment mortgage.

The amount that is paid out, if and when you die, gradually reduces in line with your remaining mortgage. This is different to our Life Cover plan where the payout, if and when you die, remains fixed for the term.

You can get a personalised online quote which will show you how much your monthly payment will be to cover your mortgage.

> Get an online quote

It's for anyone with a repayment mortgage who wants to help make sure their family is not left with an unnecessary mortgage debt should the unthinkable happen to them or their partner (where joint lives are insured).

It provides real peace of mind knowing your loved ones will not be burdened with an outstanding debt should the worst happen to you.

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

This plan doesn't include critical illness cover. It's designed to pay out only if the life/lives covered in the plan dies during the term.

The payout is made to your estate when you die.

However you can nominate someone to receive the first £5,000 of any payout. This is paid out quickly without the need for your estate to be settled first.

You can download and complete a nomination form at any time.

You can stop the policy and payments at anytime. But if you do this, you'll no longer be covered.

You can't stop and start payments with this plan as it has a fixed term period of cover.

We can amend the policy if you need to as long as there is at least five years left on the term.

For example, you may need to increase the level of cover or include cover for another person such as your partner.

We may need to ask you for additional information and revise your monthly payments if you wish to amend your policy.

You can choose to insure your own life, your partner's life or set up a joint life policy together so you are both covered should the worst happen.

If you set up a joint policy, the plan will end if and when the first person dies. The plan does not continue as a single policy.

It depends on a number of things such as your age, your lifestyle and who will be covered under the plan. For example, discounts apply for non-smokers.

You can get a personalised online quote which will show you how much your monthly payment will be.

> Get an online quote

Most current and retired members of the Police Service can pay for their Mortgage Protection plan direct from their salary or pension. Our payments page will show you whether you can pay from your salary or pension.

For those who cannot pay from their salary, we take payments by Direct Debit.

You'll need to make sure the term and amount of cover are sufficient to help pay off your mortgage. For example, if you have a 25 year mortgage for £150,000 you'll need 25 years' cover for £150,000.

The amount paid will normally be enough to pay off the mortgage in full as long as the interest rate charged by your lender for your mortgage has not exceeded 9%.

If this interest rate does exceed 9%, your mortgage may still be covered but you'll need to check the schedule provided with your Mortgage Protection plan to check whether you have adequate cover for your outstanding mortgage amount.

Your Mortgage Protection plan will continue as normal but you'll have to change your payments to Direct Debit if you're paying from your salary or pension.

You'll still be a member of Police Mutual so you could take out further plans if you want to.

The application process is simple and takes no more than a couple of minutes when you apply online. You'll need your payroll or Direct Debit details ready to hand when you apply.

Additional checks

To comply with money laundering regulations, we sometimes have to carry out an online 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. We won't share this information with anyone else and it won't affect your credit rating.

Any current or retired member of the Police Service, who is aged between 16 - 78, can open a Mortgage Protection plan.

And their family is welcome too. Partners and your wider family including parents, brothers and sisters, children and grandchildren can all benefit by opening a Mortgage Protection plan and becoming members of Police Mutual.