Answer:

All mortgage lenders will have a proviso within their loan offer that you have a minimum of Buildings Insurance when you purchase a property. You do not have to purchase Life Insurance when you buy a property and you will typically pay well over the odds if you obtain the policy through your mortgage lender. We consider Life Insurance to be essential to anyone with a family and a mortgage liability, as it means that your next of kin will have some financial security to pay off the loan should you pass.

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