How Mortgage Protection Works

Mortgage protection insurance functions much like other life insurance policies: You pay premiums to the insurance company to purchase a specific amount of mortgage protection coverage. Those premiums are based on your attained age and your health, as well as the value of your home and the payoff amount. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage.

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Affordable insurance that provides for you and yours.

Mortgage Protection Insurance

Mortgage protection insurance is a type of term or permanent life insurance that is designed to pay off your mortgage in the event of your death. It is a concept that we use to protect your family's home.

It functions like a standard term life policy usually with extra benefits. You purchase a policy for a set period, make monthly payments, and if you pass away while the policy is in force, your chosen beneficiary receives funds to pay off your mortgage. This coverage ensures that your family could stay in their home if you were no longer able to contribute to mortgage payments.

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Frequently Asked Questions

What is the difference between mortgage protection and homeowners insurance?

Mortgage Protection Insurance:

• Makes your premiums in case of job loss*

• Money goes to your family

• Pays your mortgage if you become sick or

• injured

• Money your family receives is tax free

• Is portable – new home? It travels with you

*Available in most states. Limitations may apply.

Home Owner's Insurance

• Covers the value of the property.

• Damage to your home in severe weather

• Theft of your belongings

• Vandalism of your house and property

If you have a mortgage on your home, or if you are in the process of obtaining a mortgage, you should consider buying mortgage protection insurance.

Is PMI a type of Mortgage Protection?

PMI, or Private Mortgage Insurance, is not mortgage protection. It is banks doing clever marketing! It is required by some lenders to cover the banks or lenders investment and make sure that they have a few payments to the lender. This does not protect the equity or your family and they can and often will foreclose. PMI goes to the bank. Mortgage protection always goes to your beneficiary.

Do I qualify for mortgage

protection insurance?

In most cases, yes! Mortgage protection insurance has a very high acceptance rate

as most plans are offered with simplified underwriting (you won’t have to take a

medical exam to qualify).

When should I buy mortgage

protection insurance?

If you have a mortgage on your home, or if you are in the process of obtaining a mortgage, you should consider buying mortgage protection insurance.

Can I afford mortgage protection

insurance?

Mortgage protection is one of the most inexpensive types of insurance, and it’s often a more affordable option than purchasing a separate whole life policy to pay off your mortgage in the event of your death.

We offer insurance assurance

You built your family. We help you protect your investment in their future.

97%

Average approval & retention rate.

Our clients on average give us a 5 star rating on Google.

Some of the 80+ companies we worked with to serve you.

You built your family. Let us help you protect them when you are not able.

We believe the right life insurance provides assurance for now and tomorrow.

We find the right fit for you because people are not one size fits all.

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10+min

getting qualified.

20+min

discussing options.

20+min

applying to approval.

200K+

Average coverage.

We help you get the right insurance fox your life that does what you need it to do for you today and for their tomorrow.

We use life insurance from our 80+ life insurance carriers to offer our clients accessible, affordable, and quality life insurance with options tailored to our clients health history. We do not usually do medical exams instead we ask a few general health questions to get our clients covered the right way for their goals and needs.

Death Benefits

Everyone has an expiration date. We just don't know the when or the how. We make sure when you pass away that your family doesn't need to do a Go Fund Me or waste money paying the government an inheritance tax. Instead, we help your beneficiary get a check from the insurance company generally in 30 days or less.

Living Benefits

We do offer on top of traditional insurance the ability to get living benefits where available. You can use the cash value to borrow off of while living. You can also use funds from the death benefit that cover you with chronic, critical, and terminal coverage when possible.

Debbie Jones

[We] actually did a Video call and asked questions to find out exactly what kind of Life Insurance etc that we wanted and needed at a reasonable cost. If you ever need anything or have any questions he is always available to answer you.

John Burke

Honest dependable and very professional he will get to the problem and solve it and is pleasant to talk to so he has my vote. 100% thank you...

Stephanie Elizie

Great, very knowledgeable. My husband and I came in not knowing much and Will explained everything clearly. It was a great experience...

Hear From Our Clients about our agents

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We are so honored by all of clients positive feedback. We strive for 5 stars because that means we have probably done a good job of following the golden rule. "Do to others like you would want them to do to you."

What we do

1. We protect families like yours

Our focus is to protect our clients families from the reality of death. It is the one thing that is certain for all of us. We do this through mortgage protection, life insurance, retirement planning, and providing for the unexpected through affordable and customized insurance. We partner with over 80 of the top insurance companies in the United States.

2. We do this with good people

We do business with three goals in mind. 1. Help our clients get covered with their best options. 2. Provide agents the opportunity to pursue their extraordinary dreams instead of building someone else's dream. 3. Exemplify our values. Interested?