Explore life insurance options designed to help provide financial support for your family and mortgage obligations if the unexpected occurs — from an independent agency with access to multiple carriers.
Mortgage protection insurance is a life insurance policy sized around your mortgage — designed so that if you pass away, become disabled, or experience a qualifying illness (depending on the policy and riders selected), your family has financial support to help stay in the home rather than facing a mortgage payment on a single income, or none at all.
These are often confused, but they protect two very different things.
| PMI (Private Mortgage Insurance) | Mortgage Protection Insurance | |
|---|---|---|
| Who it protects | Protects the lender | Protects you and your family |
| Why it exists | Required when your down payment is below 20% | Optional coverage you choose for your family's benefit |
| Payout goes to | The lender, if you default | Your named beneficiary, to use as needed |
| Cancelable | Removed once you reach 20% equity | You control the coverage and the term |
There's no requirement that proceeds go only toward the mortgage — your beneficiary has flexibility to use the benefit where it's needed most.
Reduce or eliminate the monthly payment pressure on your family.
Help replace lost income for everyday bills, childcare, or education costs.
Address other obligations so mortgage payments aren't competing with them.
Avoid tapping retirement or emergency savings to stay current on the home.
Our ideal mortgage protection clients are homeowners and families, generally between the ages of 30–55, who are financially responsible and looking to protect their loved ones and build long-term financial security — married couples, parents, and single parents alike.
Certain mortgage protection policies offer optional riders that may let you access a portion of your death benefit while you're still living, if you experience a qualifying critical, chronic, or terminal illness — helping cover the mortgage even if you survive a serious health event.
Living-benefit riders vary by carrier and state, may require an additional cost, and accelerating a death benefit will reduce the remaining benefit available to your beneficiaries. Availability and qualifying conditions are determined by the issuing carrier.
Coverage for a defined period — often matched to your remaining mortgage term — typically at a lower initial cost.
Coverage designed to last your lifetime, which may also build cash value depending on the policy type.
Typically based on your remaining mortgage balance, additional debts you'd like covered, and any extra income-replacement cushion you want to build in.
Age, health, tobacco use, coverage amount, policy type (term vs. permanent), and the carrier you select all factor into your premium.
Some carriers offer simplified or accelerated underwriting with no medical exam; others may require one depending on age and coverage amount. We'll help identify which applies to you.
Homeowners with a mortgage and dependents, especially where one income covers most of the household's obligations.
Mortgage balance, payment, age range, and health basics.
We shop your situation across multiple top-rated carriers.
See real coverage options and costs side by side.
Choose the option that fits and complete the carrier's application.
No. Mortgage protection insurance is optional coverage you choose for your family's benefit — it's separate from any lender-required insurance like PMI or homeowners insurance.
No. Your named beneficiary receives the death benefit and can use it however it's needed most — the mortgage, other debts, or everyday expenses.
Depending on your age, health, and the coverage amount, some carriers offer simplified or accelerated underwriting with no exam. We'll help identify what's available to you.
It varies by carrier and underwriting type — some simplified-issue policies can be approved in days, while fully underwritten policies may take longer.
No. Any figures discussed are illustrative estimates only. Actual rates and approval are determined by the issuing carrier's underwriting process.
We currently work with clients in Texas, Georgia, and Mississippi.
Tell us a bit about your mortgage and we'll compare options across multiple carriers — free, with no obligation.