If you're gone tomorrow,
your family keeps the house.
Mortgage protection pays off your loan so your spouse and kids don't have to sell, move, or scramble. The house stays paid. That's the whole point.
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Takes a minute. I'll call you with options that fit your loan and your budget.
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How mortgage protection actually works
The payout goes to your family. They decide what to do with it.
Some people think the bank gets paid directly. They don't. Your beneficiary receives the death benefit and decides how to use it. Pay off the mortgage, cover monthly payments for a few years, or keep some of both.
That flexibility matters. A surviving spouse who needs time to figure things out has options.
Coverage lasts exactly as long as your loan.
A 30-year mortgage gets a 30-year policy. A 15-year gets 15. When the loan's paid off, the policy expires. You're covered for the years it matters and not paying for years it doesn't.
Term life is the most affordable life insurance you can buy. Pure protection, no cash value component, no investment layer. Just coverage.
Healthy adults pay less than most expect.
A healthy 35-year-old can get $250,000 in coverage for around $20-25 per month. The premium locks in at the rate you qualify for on day one. It doesn't go up as you get older.
I shop multiple carriers to get you the best rate for your health profile. You don't have to take the first number you see.
"Fill out the form and I'll call you personally. I work with multiple carriers so I can actually shop your rate. Most people who contact me haven't compared anything. They either have what their lender sold them at closing or nothing at all. The call takes 10 minutes and you'll know exactly where you stand."
How it works
Fill out the form
Takes about a minute. Your name, contact info, loan balance, and remaining term. That's enough to start pulling quotes.
I call you
Real conversation, plain English. I'll go over actual quotes from multiple carriers so you can see what coverage costs for your specific loan and age.
You pick what works
If something fits, we get the application started. If the timing's off or nothing fits your budget, I'll tell you that too. No pressure, just information.
Common questions
It's a term life insurance policy sized to cover your mortgage. If you die during the term, your family receives a tax-free death benefit. They use it to pay off the loan, cover monthly payments, or whatever makes sense for their situation.
The policy term matches your loan term: 15, 20, or 30 years. When the mortgage is paid off, coverage ends. You pay for what you actually need.
Probably not. Most lenders sell mortgage insurance that protects them, not your family. PMI and MIP pay the lender if you default. Mortgage protection insurance pays your family if you die.
They sound similar. They're very different products. The one your lender required is for their benefit. What I help people get is for yours.
Depends on the amount. Most employer-provided life insurance is 1-2x your salary. If your mortgage balance is $350,000 and your work policy pays $80,000, there's a gap.
Group coverage also disappears when you leave the job. A personal policy stays with you regardless of employment. The call is free, I'll tell you honestly whether you're covered or not.
The policy stays active. You're not locked to the house. If you sell and buy again, the coverage still applies. Your family gets the death benefit regardless of whether you still own the original property.
You can also cancel the policy at any time. Term life has no surrender fees or cash value to lose.
Many plans don't require one. Simplified issue policies use health questions and database checks rather than a physical exam. Coverage amounts up to $500,000 are often available without a paramedical exam, depending on the carrier and your health profile.
For larger amounts or fully underwritten rates (which are typically cheaper), an exam may be worth doing. I'll walk you through what makes sense for your situation.
At minimum, match your outstanding loan balance. If you owe $280,000, a $280,000 policy covers the mortgage. A lot of people go a little higher to also cover a year or two of living expenses for their family while things settle.
I'll ask you the right questions on the call and help you pick a number that makes sense without overpaying.
Want to see what coverage costs for your loan?
Free quote. Real numbers from multiple carriers. Takes about 10 minutes on the phone.
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