What is life insurance for homeowners?
Life insurance for homeowners, in one sentence
You pay a small monthly amount for the years that matter, and if you die in that window, your family gets the payout you chose in cash.
The payment
Fixed from day one and never goes up during your term. Most people overestimate what it costs by three times.
The years
You choose the term: usually while the kids are home or the mortgage runs. You don't insure your whole life, just the expensive years.
The payout
Cash to the people you name, theirs to use however they need: rent, groceries, school, all of it.
Who needs life insurance as a homeowner?
Is this you?
First-time buyers
"We just got the keys. Now it's real."
Your mortgage is probably the biggest debt you'll ever hold. Cover sized to the balance means the keys stay in the family, whatever happens to you.
Joint mortgages
"Could one salary carry a two-salary mortgage?"
If one of you dies, a payout can clear the balance outright, so the person left behind grieves in their own home, not a smaller one.
Moving up or remortgaging
"Bigger house, bigger promise."
A new balance deserves a fresh look at cover. Retune your payout and term in minutes whenever the mortgage changes.
The family home
"They shouldn't have to move on top of everything else."
A forced sale is the last thing a grieving family needs. Cover keeps the roof over their heads without touching savings.
Still got questions?
36%
of UK mortgage holders insure the boiler, the phone and sometimes the cat, but not the person who pays the mortgage.
Source: HomeOwners Alliance × LifeSearch
Why homeowners choose Eleos life insurance
What makes us stand out.
Term life the way it should be: fast, human, and honest.
Life insurance for homeowners FAQs
Before you decide
More ways Eleos protects you
One promise, more triggers
Whatever happens, the money keeps coming.
If you can't work
Income protection insurance: monthly payments replace your income while you recover.
Get startedFor every day in between
Wellness Subscription: remote GP, counselling, physio and more, 24/7.
See what's includedFor all the years you're here
Wellness support that doesn't wait for emergencies
Remote GP, mental health counselling, physiotherapy, health checks and fitness coaching come with your cover, so it gives you something every day and not just on the worst one.