Your home is your biggest investment. Protect it.
If you pass away or become seriously ill, mortgage protection makes sure your family can stay in the home you worked so hard for.
- ✓Coverage matched to your mortgage balance & term
- ✓Pays your family directly — not the lender
- ✓Living benefits & return-of-premium options
See mortgage protection rates
Free quote from multiple carriers.
Our mortgage protection vs. the bank's
| Lender mortgage life insurance | Mortgage protection through us | |
|---|---|---|
| Who gets paid | The bank | Your family |
| Coverage amount | Usually decreases with your balance | Level options available |
| If you refinance or move | Coverage typically ends | Coverage stays with you |
| Living benefits | Rarely | Critical, chronic & terminal illness riders available |
| Return of premium | No | Available on select plans |
| Choice of carriers | One | We compare many |
Built for homeowners at every stage
- New homeowners who just closed
- Families relying on one or two incomes
- Anyone who refinanced or took a HELOC
- Homeowners who want coverage without a medical exam
- People who want protection while they're living, too
Options we offer
Term life with living benefits — affordable coverage for 10, 15, 20, 25 or 30 years to match your mortgage.
Return-of-premium term — if you outlive the term, you may get the premiums you paid back.
Whole life & IUL — permanent coverage that can build cash value over time.
How living benefits workMortgage protection FAQ
How much coverage do I need?
Many homeowners start with their mortgage balance, then consider adding income replacement, debts and future costs like college. We'll help you find a number that fits your budget.
I just bought my home and got letters in the mail. Is this related?
Mortgage records are public, so many homeowners receive mailers after closing. We're an independent agency, not your lender. A free review will show you real options with no obligation.
Can I get coverage with health conditions?
Often, yes. Different carriers view conditions like diabetes, high blood pressure or past cancer differently. Shopping multiple carriers is how we find the best fit.
When does coverage start?
Many plans can be approved quickly, sometimes the same day, and coverage begins once the policy is issued and your first premium is paid.
Find out what it costs to protect your home.
A free, no-pressure review takes about 15 minutes by phone.