Mortgage Protection
Keep the roof over your family's head — no matter what.
What is Mortgage Protection?
Mortgage protection insurance is a life insurance policy designed to pay off your mortgage if you pass away. Your family keeps the home free and clear — no scrambling to make payments during the hardest time of their lives.
Your family stays in the home
The policy pays off the remaining balance. Your family owns the home outright.
Many policies include disability riders that cover your mortgage payments if you can't work.
Critical illness riders can provide cash to cover the mortgage while you focus on recovery.
Why homeowners choose this
- Coverage matches your mortgage balance
- Payout goes to your family — not the bank
- Rates are locked in and affordable
- Optional riders for disability and critical illness
Common questions.
Is this the same as PMI?+
No. PMI (private mortgage insurance) protects the lender. Mortgage protection insurance protects your family. The payout goes directly to your beneficiaries — they decide how to use it.
Do I need a medical exam?+
Most mortgage protection policies require no medical exam. Just a few health questions and you can be approved quickly — sometimes the same day.
What if I refinance or move?+
The policy stays with you, not the house. If you refinance, move, or pay down your mortgage, the coverage is still yours. You can adjust it as needed.
Protect your family's home
Book a free call and we'll design coverage that matches your mortgage and your budget.