{"id":40441,"date":"2017-01-12T14:00:21","date_gmt":"2017-01-12T07:00:21","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/do-we-have-to-take-out-life-cover-through-our-mortgage-adviser\/"},"modified":"2017-01-12T14:22:50","modified_gmt":"2017-01-12T07:22:50","slug":"do-we-have-to-take-out-life-cover-through-our-mortgage-adviser","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/do-we-have-to-take-out-life-cover-through-our-mortgage-adviser\/","title":{"rendered":"Do we have to take out life cover through our mortgage adviser?"},"content":{"rendered":"<p>&#013;<br \/>\nThey have recommended an insurance policy that costs more than we can affordQ My husband and I are in the process of buying a property. We have agreed to get life cover for the money we feel we can afford, but have just received a recommendation from our mortgage adviser that is more than \u00a3120 higher than previously agreed.Do we have to take the life insurance out with them? I know we have to buy their buildings insurance, but what about the life insurance? Please could you give me some advice on this. MW Continue reading&#8230;&#013;<br \/>\n&#013;<br \/>\nSource : theguardian.com&#013;<br \/>\nRead more&#8230;<a href=\"https:\/\/www.theguardian.com\/money\/2017\/jan\/12\/buy-life-cover-mortgage-adviser\" target=\"_blank\">Do we have to take out life cover through our mortgage adviser?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#013; They have recommended an insurance policy that costs more than we can affordQ My husband&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-40441","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-awh","jetpack-related-posts":[{"id":67394,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/is-mortgage-protection-insurance-necessary-when-buying-a-house\/","url_meta":{"origin":40441,"position":0},"title":"Is mortgage protection insurance necessary when buying a house?","date":"September 25, 2017","format":false,"excerpt":"\r I have a high BMI and think I\u2019d be turned down for coverQ I have been reading articles regarding mortgage life insurance cover. Unfortunately I have a higher-than-wanted body mass index (BMI) count, and from what I\u2019ve read I believe I would find it hard to get insurance.If I\u2026","rel":"","context":"In &quot;Property News&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":78129,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/insured-to-cover-your-mortgage-repayments-youre-probably-losing-a-fortune\/","url_meta":{"origin":40441,"position":1},"title":"Insured to cover your mortgage repayments? You\u2019re probably losing a fortune","date":"January 27, 2018","format":false,"excerpt":"\r While income protection policies are good for the self-employed, for people in their 20s and 30s they really aren\u2019t necessaryWere you sold insurance to \u201ccover\u201d your mortgage? Were you told you had to have insurance, even though you\u2019d rather not? You may well be wasting thousands of pounds.Our \u201cHow\u2026","rel":"","context":"In &quot;Property News&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":96732,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-can-my-disabled-son-get-cover-for-joint-mortgage-payments\/","url_meta":{"origin":40441,"position":2},"title":"How can my disabled son get cover for joint mortgage payments?","date":"August 27, 2018","format":false,"excerpt":"\r He is on universal credit and I\u2019m worried that if his girlfriend is unable to work he will be liable Q My son and his girlfriend are buying a house together. He is disabled and on universal credit and as a result, has very little income. So with our\u2026","rel":"","context":"In &quot;Property News&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":80108,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/who-gets-what-from-illness-cover-linked-to-a-mortgage-if-a-couple-split\/","url_meta":{"origin":40441,"position":3},"title":"Who gets what from illness cover linked to a mortgage if a couple split?","date":"February 16, 2018","format":false,"excerpt":"\r My daughter has been diagnosed with cancer and gets the payout but has a 50-50 share in a houseMy 27-year-old daughter has been diagnosed with cancer. Nine months ago she, and her partner, took out a mortgage to buy a house as \u201ctenants in common\u201d (50% each). Along with\u2026","rel":"","context":"In &quot;Property News&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":32938,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/aviva-steps-in-to-cover-a-63000-case-of-mis-sold-insurance\/","url_meta":{"origin":40441,"position":4},"title":"Aviva steps in to cover a \u00a363,000 case of mis-sold insurance","date":"June 10, 2012","format":false,"excerpt":"\r The insurance giant allows Margaret Dibben to resolve the last problem she will tackle on behalf of readersI have just been diagnosed with terminal cancer. My wife died of cancer last year. We bought our council house in 2002 with an interest-only mortgage of \u00a363,000 and took out life\u2026","rel":"","context":"In &quot;Property News&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":45084,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/critical-illness-insurance-the-neglected-cover-that-could-be-crucial\/","url_meta":{"origin":40441,"position":5},"title":"Critical illness insurance: The neglected cover that could be crucial","date":"December 7, 2013","format":false,"excerpt":"\r Critical illness cover \u2013 which pays out if you get a life-threatening illness \u2013 has a bad reputation. But is it time to look again?Critical illness cover used to be the bad boy of the protection insurance world. This is a type of insurance that should pay out a\u2026","rel":"","context":"In &quot;Property News&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/40441"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=40441"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/40441\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=40441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=40441"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=40441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}