The specialist payment protection provider, PaymentShield, are set to launch a new mortgage payment protection insurance policy this year. The policy is designed to incorporate the benefits of income protection insurance, and is something of a hybrid product.
There are often hitches with mortgage payment protection insurance. These include policies that only cover one for a year, and similar premiums for all ages and unemployment benefits.
The new Paymentshield plans have been created not only to provide cover for over a year, but also to reflect the fact that the elderly have a greater risk of becoming ill. Furthermore, with the new plans, accident and sickness cover can be opted out of, and unemployment cover can be granted.
The sales and marketing director at Paymentshield, Chris Traynor, said: "The product will be completely different to anything in the market now. The market has been static for 12 years and we want to reflect a modern society where accident and sickness cover are often dealt with through work."
When taking out a mortgage, most borrowers opt for life insurance .




