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Where Can I Get Mortgage Protection Quickly?

Once upon a time, you’d struggle to get your mortgage protection quickly.

It could have taken around 5 working days

I know, 5 days is hardly ages

But it is when you’re just about to close on a house purchase…

…and you’ve forgotten to put your mortgage protection policy in place until the last minute…

…and the seller’s solicitor is putting pressure on you…

Then every hour delay seems like FOREVER.

Can you get mortgage protection urgently?

Yes, the life insurance companies have really upped their games in relation to issuing mortgage protection quickly.

Because we bollock them incessantly until they do!

Some insurers can issue your policy the same day they receive your application form.

(We can print the policy documents here in our office to speeds things up even more).

That’s good news if you need your mortgage protection quickly, urgently, ASAP!

Just remember to tell us up front that you need your policy, like yesterday.

We’ll make sure you get it.

How long does it take to get mortgage protection?

At best, less than 24 hours.

Here’s how.

  1. We’ll recommend the insurer with the quickest current turnaround time
  2. Complete your application online with us.
  3. I’ll email you documents to sign digitally.
  4. You email them back to me.
  5. We submit to the quickest life insurance company.
  6. If there are no health issues, your policy is issued immediately

If there are minor health issues, you may need to complete a questionnaire.

If there are more serious health issues and a doctor’s report is needed, you can add at least a week to this – depending on the efficiency of your GP.

Some GPs are on the ball, some are useless.

I make no apologies for saying that.

Some are absolutely dreadful when it comes to completing medical reports.

Hopefully, you’ve got a good ‘un.

What can delay my life insurance or mortgage protection?

Issues such as these will delay your life insurance:

  • Recent hospital visits – any visit to the hospital in the last 5 years.
  • Upcoming hospital visits
  • Upcoming check-ups
  • Planned surgery
  • Feeling unwell for any reason
  • Recently put on medication or dosage of medication has changed
  • Consulted with a medical practitioner for mental issues.
  • Overweight
  • High blood pressure or cholesterol
  • Family history of illness (e.g. cancer, heart problems)

Although you feel they are nothing to worry about, you have to disclose them on your application form.

How long does life insurance take?

The Perfect Storm

This usually happens around 3 days before you’re due to close on your mortgage.

Problem 1:
Your bank, who up to now has said there will be no problem with your mortgage protection, suddenly informs you that a medical report will be required.

Problem 2:
Your GP is a disaster at sending stuff back, requires prepayment before she’ll do anything or even worse is on holidays for 3 weeks

Problem 3:
Your GP sends back your report but the information is not up to date. The insurer sends it back and we wait a few more weeks for it to be returned.

This really happens.

You may roll your eyes and think I’m just exaggerating.

I’m not.

I have witnessed first-time buyers lose their dream home due to a delay with their mortgage protection – heartbreaking stuff.

Related Topic:

When do you Start Your Mortgage Protection Policy?

Over to you

If you need mortgage protection quickly, you have no time to spare.

Stop reading and call me now on 05793 20836.

Stop reading.

Call me.

Now.

Please.

Pretty please, with sugar on top.

Then breathe easy.

If you need quick as a whip mortgage protection cover, I’ll sort it out for you.

Nick McGowan
lion.ie | making life insurance easier

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How Smoking Affects Life Insurance Premiums

I’m not going to tell you not to smoke.

I’m not your ma.

I’m also not going to tell you about the health risks, because we all already know. After all, we’ve seen the big rotten tumour on the fag packets.

I am going to tell you that smoking makes your Life Insurance premiums more expensive.

And don’t think you’re not included in this one too, holier-than-thou-vape-smokers. While your vape may smell like cotton candy or whatever notion-y flavour you’ve gone for, the insurers will charge you more too.

Don’t know where to start?

Have a nose through our free life insurance guides

View our guides

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As Ireland's leading life 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!

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