Ivana Bacik (Dublin Bay South, Labour)
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383. To ask the Minister for Housing, Planning, and Local Government the terms of the State-backed local authority loan mortgage protection scheme; if a verdict of death by suicide by one member of a couple who have taken out such a home loan invalidates the mortgage protection; and if he will make a statement on the matter. [36403/24]

Darragh O'Brien (Dublin Fingal, Fianna Fail)
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The local authority Mortgage Protection Insurance (MPI) scheme has applied to all house purchase loans approved by local authorities after 1 July 1986, including the Local Authority Home Loan introduced on 4 January 2022.

The current contract for MPI came into effect from 1 January 2023. This contract offers life cover only. A link to the Master Policy Document is provided below. Section 3.2 sets out the exclusions in this policy.