I cancelled a mortgage protection unknowingly a number of years ago. My mortgage has significantly reduced since but I only discovered this recently as this is a property I own with my brother. It’s not our primary residence it’s a joint mortgage.
Can I reinstate it get a new one. No health issues
I don’t remember doing it but I must have as I have no comms relating to it
I would get this sorted ASAP. It’s likely that the untimely death of either of you without a policy in place would cause financial complications at a difficult time. Far simpler if a life policy would just pay off the mortgage.
Try a broker for best value. Prices have fallen a bit recently in my experience.