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Mortgage protection advice needed

I need to take out mortgage protection cover the policy that I have got a good quote for has a clause in it that says you cannot claim for unemployment cover within 120 days from the start date.

Does anyone know if this clause applies to all mortgage protection policies or if any exist that will pay out sooner as I would prefer a insurance that pays out sooner should I be made redundant in the following monthes does one exist?
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