What time span is mortgage payment protection cover usually intended for?

• A. Long term
• B. Medium term
• C. Indefinite
• D. Only short term

Answer: (D)

Mortgage payment protection cover is meant to step in when you can’t work for a short period due to sickness, accident, or unemployment, helping you keep up mortgage repayments while you regain income. It’s a bridge, not a long-term safety net, so the payout period is fixed and relatively brief. Most policies pay for a defined number of months—typically around 12 months, sometimes more—after which the cover ends even if you’re still out of work. That short-term focus keeps premiums affordable and matches the goal of helping you through a temporary disruption rather than providing indefinite income. Longer or indefinite protection would be expensive and isn’t the intention of this product.