For homeowners with a mortgage
Protect the Home Your Family Depends On
If something happened to you, mortgage protection can give your family money they can use for the mortgage, the bills, or whatever comes next.
- Licensed Agents
- Multiple A-Rated Carriers
- No Medical Exam to Get a Quote
- Level-Premium Options Available
- Level-Benefit Options Available
Request Your Free Information
Answer five short questions and a licensed professional will call you to go over your mortgage protection options.
- Licensed Agent
- Multiple Carriers
- 48States Covered
- A-RatedInsurance Carriers
- $0Cost to Get a Quote
- 60secTo Request Information
Why Homeowners Work With Us
Independent, licensed, and straightforward about what this is.
Independent Agency
We're not sent by your lender, and we don't work for a single carrier. We're appointed with several, so we can compare what's available to you.
Options for Different Budgets
Term, permanent, and different coverage amounts change the cost considerably. Your agent will show you what fits.
The Benefit Goes to Your Family
Beneficiaries generally receive the death benefit directly and can use it for the mortgage, bills, or anything else they need.
A Short, Simple Process
Five questions here, one real conversation, and a clear decision. No portal to fight with and no pressure on the call.
Licensed Professionals Only
Every person who contacts you is licensed in your state to offer this coverage. No call centers reading from a script.
Your Information Stays Here
We don't sell your information to other agencies or lead buyers. One agency, one conversation, and you can stop it anytime.
Getting Information Is Simple
Three easy steps, and you control every one of them.
Request Your Free Information
Fill out the short form above. It takes less than 60 seconds.
Speak With a Licensed Professional
A friendly, licensed agent will review your household and explain the options available to you.
Decide What's Right for You
Apply, think it over, or pass. If you apply, the insurance company decides after underwriting.
Three Products People Mix Up
Only one of them pays your family. The difference is who gets the check.
PMI
Private Mortgage Insurance
Covers the lender's loss if a borrower stops paying. Often required when a down payment is under 20%.
Pays the bankHomeowners
Property Insurance
Pays for covered damage or loss to the home itself. Lenders normally require it.
Pays to repair the houseMortgage Protection
Mortgage Protection
A life insurance policy that pays a death benefit to the beneficiaries you name, under the terms of the policy. No lender requires it.
Pays the people you nameHow a specific policy pays out depends on the policy issued and the beneficiary arrangements you set up. Some products are structured to pay a lender directly — if one is, your agent will tell you before you apply.
Give Your Family Options, Not a Bill
Nobody likes thinking about this. But for most households the mortgage is the biggest monthly obligation, and it doesn't pause because an income stopped.
Mortgage protection pays a death benefit to the people you name. They decide what to do with it — pay the mortgage down, keep making the payments, cover childcare, or simply buy themselves time to make decisions without a deadline.
Frequently Asked Questions
What is mortgage protection?
Mortgage protection is a life insurance policy bought with the household mortgage in mind. If the insured person dies while the policy is in force, the insurance company pays a death benefit to the beneficiaries named on the policy. It is not a mortgage product and it is not connected to your loan.
Is this connected to my mortgage company?
No. We're an independent insurance agency. We're not your lender, your servicer, or a bank, no lender sent us, and we're not connected to any government program.
Does my lender require this?
No. Lenders can require homeowners insurance, and sometimes PMI. Mortgage protection is entirely your choice, and you can buy it from anyone.
Who receives the money?
The beneficiaries you name on the policy. They generally receive the death benefit under the terms of the policy and can use it however the family needs. Some products are structured to pay a lender directly — if that's the case, your agent will tell you before you apply.
How much does coverage cost?
It depends on the carrier, the product, the amount and length of coverage, your age, and underwriting. Nobody can quote you honestly without those details, which is why there are no prices on this site. Your agent will go through real figures with you.
Do I need a medical exam?
Sometimes. Some products are fully underwritten and may require an exam or lab work. Others use accelerated or simplified underwriting with health questions instead. Which applies depends on the carrier, the product, the coverage amount, and your age.
Am I guaranteed to be approved?
No. Insurance companies decide whether to issue a policy, and on what terms, after you apply. Nothing on this site is a promise of coverage, price, or approval — be skeptical of anyone who tells you otherwise.
What happens after I submit the form?
A licensed professional reaches out the way you asked to be contacted. No application is started, no coverage exists, and nothing is charged. You can ask us to stop contacting you at any point and we will.
Ready to See Your Options?
Request your free, no-obligation information in less than 60 seconds.
Requesting information is not an application and does not obligate you to buy anything. Coverage requires an application and is subject to underwriting.