Is mortgage protection insurance necessary when buying a house?

I have a high BMI and think I’d be turned down for cover

Q I have been reading articles regarding mortgage life insurance cover. Unfortunately I have a higher-than-wanted body mass index (BMI) count, and from what I’ve read I believe I would find it hard to get insurance.

If I wanted to sell my existing property and buy a new place, but couldn’t get mortgage life insurance due to my BMI, is it compulsory to have cover to be accepted for a mortgage? Would my lender still lend to me if I earn enough to pay the mortgage? AM

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