Hi Anon, you could ask an independent financial advisor like me for a comparison from multiple insurers for mortgage insurance. If you'd like to keep your confidentiality, you could drop me an email at [email protected] with your date of birth, gender, smoking status, the sum assured, policy term, and whether you'd like to get a joint-life or single life policy. I'll be able to let you know what are the cheapest options available. :)

Haven't seen a group mortgage policy yet but the same cons apply to group policies. 1) You don't own the policy. 2) T&Cs can change without your discretion. 3) Premiums can change for better or worse. 4) You might not be able to carry on the policy after leaving the "group". Pro: 1) Cheaper. For anything as important as leaving a huge liability that you know your family won't be able to handle, make sure you have full control and rights to the insurance policy meant to help you out. Just get a private policy.