Your home is probably the most important thing you own — and the most expensive promise you've made to your family. Mortgage protection ensures that promise stays kept even if something happens to you.
Most people don't think about this — until it becomes real. If you die, become disabled, or are diagnosed with a critical illness, your mortgage doesn't pause. Your family still owes every payment.
The average mortgage payment in the US is over $2,000/month. Without your income, how long before that becomes impossible? Mortgage protection covers that gap — it's designed specifically for homeowners.
Your spouse faces a choice between grief and the mortgage payment. In the worst-case scenario, the family loses their home while still coping with loss.
Your family stays in their home. The mortgage gets paid — by your policy, not by your grieving spouse scrambling to figure out finances.
Many mortgage protection policies also cover disability and critical illness — so if you survive a major health event but can't work, you're still covered.
We look at your outstanding balance, monthly payment, and remaining term. Your coverage mirrors your mortgage — so it's never more than you need.
Add disability protection, critical illness coverage, or a return-of-premium rider. We customize to what makes sense for your situation.
If a covered event occurs, the benefit pays your mortgage — directly. Your family isn't navigating insurance paperwork in the middle of a crisis.
Not even close. PMI (Private Mortgage Insurance) protects the lender if you default. Mortgage protection insurance protects your family if you die, get sick, or become disabled. They solve completely different problems.
You can — and sometimes that's the right answer. But mortgage protection is specifically designed for homeowners and often includes disability and critical illness riders that regular term life doesn't. We'll compare both options and show you what makes the most sense for your situation.
Often the same day. Many carriers have simplified underwriting for mortgage protection that doesn't require a medical exam. You can have coverage in force before your first mortgage payment is due.
Some policies are portable and can follow you to your new home. Others can be adjusted as your loan balance changes. We'll help you choose a policy structure that stays useful even if your living situation changes.
Don't let the unthinkable cost them their address. A quick conversation is all it takes to see what coverage costs — and what it covers.