Not having the mortgage protection policy in place is the most common.  Your bank will not release the loan funds until it has received the original policy.  This comes from the mortgage protection company.  Whatever their requirements are and this could include medical examination you will have to meet them so the sooner you move the better.  We will not be involved in that or any other non-legal aspect of the matter such as, for example, having to re-arrange a valuation after it has expired, satisfying the bank building cover is in place or putting in place direct debit mandates.