What happens I need cover now in order to complete a house purchase?

If you're in a rush because of an imminent house purchase then it's important to request a quote now, and within 24-48 hours you will be called by a specialist mortgage life insurance adviser. You will be able to complete an application form over the phone once you have selected the best quotation, and your application will start being processed at the insurance company within the day.

In our experience, insurers accept about 1 in 3 applications as soon as they receive them, without the need for further information. You can then be "on risk" almost immediately.

If the insurance company has any concerns about your application, for example about your health, they will not be able to accept your application immediately.

This may mean that you will have to provide more details about your health or even go for a medical check up. In many cases the insurance company will get the information they need by writing, with your approval, to your GP. But all this takes time and there are few ways around it.

In the worst-case scenario, it might be possible to place your business with an insurance company (not your first choice) who will put you 'on risk' while you wait for the other insurer to sort out your application. This will mean that you won't get the cheapest insurer at first, but at lease you will be insured.