Mortgage life insurance with critical illness - The basics

• Mortgage life insurance, which we call Mortgage Term Assurance, is designed to help pay off your mortgage in the event of your death.
• You can include Critical Illness Cover with your life insurance policy at an additional cost. This is a type of mortgage protection which pays out a lump sum of money if you are diagnosed with certain specified critical illnesses, during a fixed period of time ('the term'). Read more about the specified critical illnesses and disabilities for which you can claim.
• This option is not available online. If you would like to add Critical Illness Cover to your policy please call us on 0800 027 1976 for a quote and to apply. We may record and monitor calls.
• The length of time you choose to be insured for is called the 'term'. With Legal & General you can choose a term between two and forty years for both guaranteed and reviewable premiums, providing that it ends before your 65th Birthday.
• If you die during the term, your policy will pay out a lump sum of money.
• You choose how much life and critical illness cover you buy. People often want their mortgage life insurance and critical illness policies to pay out the value of their mortgage or other loan.
• We offer a choice between Mortgage Term Assurance with Critical Illness Cover and Mortgage Decreasing Term Assurance with Critical Illness Cover. This is explained in Your options.
• We include free accidental death benefit whilst your application is being completed. This is only available for a maximum period of 90 days, or until your application is accepted or declined, whichever is sooner. Please see key features for more information.
• If you become a mortgage life insurance policyholder, you'll receive details of the 24-hour moving day rescue service, SmoothMove, which is included at no extra cost. So if there's an emergency when you move house, services such as car recovery, hotel accommodation and legal advice are just a phone call away.
  
  To provide SmoothMove, Legal & General have teamed up with Inter Partner Assistance, one of the largest international emergency assistance organisations. Inter Partner Assistance provides the SmoothMove Insurance Plan.