Mortgage Protection Insurance typically operates on a decreasing term basis, meaning that the coverage amount diminishes over time, in line with the decreasing mortgage balance. This feature aligns the insurance payout with the outstanding mortgage liability; as you continue to pay off your mortgage, the potential insurance benefit decreases. This structured reduction ensures that you are not over-insured and helps in keeping the insurance premiums lower compared to a level-term life insurance policy, where the benefit amount remains constant throughout the term.