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The target change was prompted by the rising number of people using other forms of protection, such as critical illness and income protection to offset their mortgage payment risks. Similarly, the strength of the housing market has enabled many homeowners to accumulate more equity and also use this to help offset the risk posed by their mortgage.

A statement issued by the CML said: "Bearing down on the number of possessions over the long term is a more comprehensive objective than uk mortgage protection insurance take-up alone in making home-ownership truly sustainable.

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