Elder wrote in news: snipped-for-privacy@news.individual.net:
My mortgage is in joint names, my missus was still working, but as I was the main earner the insurance kicked in. Can't remember what the deal with length of employment was but I'd been with both companies for a number of years.
Was 5 years with one company, then 2 months with the other.
Elder wrote in news: snipped-for-privacy@news.individual.net:
Come to think of it, is it not part of your mortgage, if you have insurance built in, and nothing to do with your job? Look out your mortgage details or google. I don't remember being asked what job I was in or for how long.
At the time of application they don't care if you qualify for the protection or not. They assume you do, then reject any claim if you don't comply with the claims criteria.
And happily pocket the premiums from people who would never be able to make a claim. It's a significant earner for them.
cheers, clive
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