Which of Matt's insurance policies can be classified as a benefit policy?

A benefit policy is a type of insurance policy that provides a monetary benefit upon the occurrence of a specific event, rather than reimbursing costs incurred or covering property damage.

In this context, mortgage protection insurance fits this definition well, as it is designed to pay off an individual's mortgage in the event of their death, disability, or critical illness. This means that the policy provides a financial benefit that directly aids in settling the mortgage debt, aligning with the characteristics of a benefit policy.

The other options do not align with the definition of a benefit policy. For instance, household insurance typically covers the contents and structure of a home against risks like fire or theft and often involves reimbursement for losses rather than payout upon a defined event. Legal expenses insurance assists with covering the costs related to legal representation but does not pay out a benefit in the same sense. Private car insurance mostly provides compensation for damage to the vehicle or liability towards third parties, again not fitting the benefit policy model as closely as mortgage protection.