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Barclays Life Insurance for Mortgage Holders

Making sure your home is protected

Whether you’re a first-time buyer or have a few years left on your mortgage, make sure your home is protected if you die or become terminally or critically ill. With Barclays Life Insurance for Mortgage Holders, you'll get a one-time lump sum to pay your outstanding mortgage if a successful claim is made. Cover starts from £6 a month.

How it works

Owning your own home can offer stability and security for you and your family. It’s also one of the biggest financial commitments you’ll make – and getting life insurance is a simple way to make sure it’s protected if you die or become terminally or critically ill. Here's how our Life Insurance for Mortgage Holders works.

Before you get your policy

Look at your options. We’re here to help you find out if our life insurance is right for you.

Visit a branch and speak to a mortgage adviser, or call us on 0333 202 7580 1 option 3, Monday to Friday 8am to 9pm, Saturday 9am to 5pm and Sunday 9am to 3.30pm

For an in-depth look, read the Life Insurance for Mortgage Holders Product Summary2

We've explained some common terms and concepts relating to life insurance.

Getting your policy

Get support. Our mortgage advisers can help you to tailor your policy to suit you, including getting a quick quote, applying and buying. They can also help you to find life insurance that will cover your needs – and help you work out whether you need

  • Single or joint cover
  • Life Insurance or Life Insurance with Critical Illness Insurance
  • Decreasing-term cover or level-term cover

After you get your policy

Whatever happens next, we’re here to help. You can

  • Make changes to your cover if your circumstances change3, or get an additional policy
  • Cancel your policy3, before the end of term or before you make a claim
  • Submit a terminal illness claim
  • Submit a critical illness claim
  • Consider getting a new policy after this one ends

Or, your loved ones can

  • Submit a claim if you die before the end of your policy

Things you should know

What’s covered

Death: You’ll be covered if you die before the end of your policy. We’ll also cover you if you die between exchanging contracts and completing your property purchase – up to a maximum of 90 days4

Terminal illness: If you’re diagnosed with a terminal illness and you’re expected to die within 12 months, the policy will pay out at no extra cost. We’ll need verification from your hospital and our medical team

Critical illness: If your policy includes Critical Illness Cover, we will pay out if you're diagnosed with a critical illness that meets our definition5

One-time payment: We’ll only pay the amount of cover once. On a joint policy, this will be when the first person either dies or has a valid claim. After this happens, the policy will end and you’ll no longer have any cover

What isn't covered

Incorrect information: If you don't answer our questions honestly and in full before your policy starts, we won’t pay out

Suicide: If, within the first year of the policy, you die and your death is caused by suicide or intentional and serious self-injury, you won’t be covered

Critical illnesses: We won't pay out your amount of cover if the policy includes Critical Illness Cover and you’re diagnosed with a critical illness that doesn't meet our definition5

Joint policy: We’ll only pay the amount of cover once. This will be when the first person dies or has a valid claim

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Don't have a mortgage?

Have you looked into Barclays Simple Life Insurance? It's quick, straightforward and could help you protect your loved ones if you die or become terminally ill.

Summary of key information

Get in touch

In branch

Visit a branch and have a chat with one of our mortgage advisers.

Call us

Call us on 0333 202 7580 1, option 3. Monday to Friday 8am to 9pm, Saturday 9am to 5pm and Sunday 9am to 3.30pm.