What happens to my partner if I die?

If your plan is in joint names, then your partner will be able to continue living in the property under the same terms.  If it is in your name only, then unless the mortgage can be repaid in full the property will have to be sold and your partner will have to find somewhere else to live.  It is normally a requirement that where the borrower clearly has a spouse or partner, the plan is written in joint names from the outset to make sure that both individuals have the right to remain in the property until they die or move out.

If you marry after you have taken out a plan, or if someone comes to live with you as your partner, then you must tell your provider.  It may not be possible to add your new spouse or partner to your plan, in which case they will not necessarily have the right to continue living in the property if you die or move into long term care.