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Home Insurance UK Guide
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Mortgage Protection
Decreasing Term Assurance

What is Mortgage Protection Decreasing Term Assurance / Insurance ?

This is another type of life insurance. It works by recognising that the main purpose of insuring your life is to pay off your mortgage.

Because what you owe decreases with time (ie as you pay your mortgage off) so does the amount of cover provided and so does the premium you have to pay every month. Hence the term "decreasing".

It's considered to be a cheaper form of cover than straightforward life insurance.

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