Complicated one and would appreciate replies. I came out of work on the first of March. This was due to my shifts no longer being compatible with my DHs. We are managing to cover the mortgage due to taking out extra borrowing on it to pay off DHs loan which then frees up this money for mortgage repayments.When we put in for this I was working so could take in wage slips.When it finally completed I wasnt working. Have we done something wrong not telling the mortgage provider,I am looking for work and DHs wages cover the mortgage? Im asking this as the mortgage payment protector provider has just written to ask if Im still eligible for the policy. Didnt realise I wasnt as I wasnt working as Ive had this policy 2yrs now. Do I ring and cancel or can they suspend it until Im back in work?I do have decreasing term life insurance on the mortgage so do I need payment protection as well ?Mortgage is in joint names but we have separate life cover.Payment protection wont pay out as I came out of work voluntarily.Cant get critical illness cover on life insurance which is why I took out payment protection insurance.Thanks for reading !