Complete Financial Questionnaire

Why Such A High Mortgage Protection Premium?

high mortgage protection

You’re here because you’re not happy that you’ve been offered such a high mortgage protection premium.

Good – you shouldn’t be happy, you should shop around and try to get a better quote.

That’s how a lot of our customers end up here.

Because we’re the experts when it comes to difficult mortgage protection and life insurance applications, we know which insurer is best for your specific health condition.

What are the main reasons for a high mortgage protection premium?

1) Big Build

If your BMI is over 35 you’re looking at paying more than someone with a lower BMI.

However some insurers will force a higher mortgage protection premium on you if your BMI is over 30.

We’ve been successful in getting the normal price for some clients with a BMI of 35.

2) Smoking

On average being a smoker adds 50% to your premium. There’s nothing you can do to reduce this – apart from quitting.

But if you use e-cigarettes and haven’t smoked tobacco in 12 months, we can get you the normal price through one of our insurers.

3) Family History of Illness

You may be in perfect health, but your family history shows heart disease, cancer, diabetes, high cholesterol, high blood pressure, – or dozens of other conditions.

To an insurer, this means you’re at greater risk because you may inherit or acquire the same medical disease or condition.

Good news – each insurer regards family illnesses differently.

One insurer may not increase your premium at all for a certain illness while another will force a high mortgage protection premium on you because of the same illness.

We deal with 6 different insurers on your behalf and will only approach the ones that we know look on your specific family history favourably.

4) Medical Conditions

Pre-existing medical conditions or medical history can also result in high mortgage protection premiums.

Simply because, if you have a pre-existing serious medical condition, you’re more at risk of death or serious illness than a healthy person.You’re more likely to make a claim that the life insurance company will have to meet.

To protect themselves, they will load/increase your premium.

As with family history, some insurers are more lenient than others when it comes to certain conditions.

e.g for mental health issues, we know which insurer is best by a long shot for you.

5) Base monthly premium

What’s that I hear you ask?

This is probably the most important factor and the easiest to avoid.

Each life insurance company has a base premium – they cannot offer you a price lower than this.


Aviva – base premium of €20 per month

Friends First – base premium of €10 per month.

Let’s say you apply for €50,000 mortgage protection.

Aviva offer it for €20 per month as this is the lowest monthly price they can offer.

However Friends First offer it to you for just €10 – again this is their lowest monthly price.

Unfortunately you have some serious health issues so your premium is loaded by 300%.

This increases the Aviva premium to €80 while the Friends First premium increases to €40 per month.

  • That’s €40 a month extra you need to pay for the same cover for the life of your policy.
  • That’s €480 per year extra for the same cover.
  • Over 30 years, that’s €14,400 for the same cover – you’d be a fool to pay it.

If you’ve been offered a high mortgage protection premium by Aviva, you need to get in touch.

Conclusion  – High Mortgage Protection Premiums Can Be Avoided.

Don’t settle.

Don’t get ripped off.

If you’d like to see what we can do for you, simply complete the short form below and I’ll get back to you personally.

Alternatively feel free to give me a bell on 05793 20836

Nick McGowan Helping You Avoid High Mortgage Protection Premiums

Free 5 Email Crash Course

Who wants a simple guide to life insurance?
  • This field is for validation purposes and should be left unchanged.


Mortgage Protection Insurance
Give us a quick outline of how we can help and we'll be right back to you.

Don’t know where to start?

Have a nose through our free life insurance guides

View our guides

Life Insurance Quotes - Free and Easy!

As Ireland's leading independent insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

Watch our video