Firstly never take Mortgage protection cover out with a bank.
You will pay 20% more if you do,my tip is use the broker,they get fantastic discounts with insurance companies as each company wants to entice the broker to place the business with them.
Aviva and Royal london offer 15% discounts and first months cover for free,while you can get 20% off the best market price with Zurich.
The broker is also better equipped to get you a policy to suit your needs as the banks are tied agents and can only offer you one insurance companies products.
For any quotes or queries please call me on 01-6339245 or email me at firstname.lastname@example.org