Mortgage Protection Insurance, Matched to Your Mortgage
Coverage designed to help keep up with mortgage payments if you die, become disabled or are diagnosed with a covered critical illness. Tell us about your loan and household, and compare carrier options before you decide anything.
Start my free mortgage protection reviewGet the free comparison guideIndependent agency · Multiple carriers compared · No cost to request
What mortgage protection is
Mortgage protection is usually a term life policy sized to your loan balance and remaining term, sometimes with disability or critical-illness riders. Options and riders vary by carrier.
Sized to your loan
We look at your balance, payment and years remaining so coverage lines up with what you actually owe.
Riders explained
Disability, critical-illness and return-of-premium riders are explained in plain English, including what they add to the premium.
Carrier-neutral
As an independent agency we compare carriers rather than representing a single company.
No pressure
You get options to review in your own time. Deciding not to buy is a fine outcome.
How it works
Three steps. Free, and no obligation at any point.
Tell us about your mortgage balance, payment, household and any coverage you already have.
We outline coverage amounts, term lengths and riders that fit your loan, with the reasoning behind them.
We quote carriers available in your state and walk you through the options. You decide whether and when to apply.
Free guide: Term vs. Permanent Life Insurance — The Honest Comparison
Not sure whether you need term or permanent coverage? Read the plain-English comparison before you talk to anyone.
- Side-by-side: cost structure, cash value, how long coverage lasts
- When term fits — and when permanent may be worth considering
- A DIME worksheet to estimate your own coverage need
- Questions to ask any agent, and signs you are being oversold
Email me the free PDF guide
You will get the PDF right away. We never sell your information.
Start your free mortgage protection review
This is a request for a needs analysis and quote — not a checkout and not an application for coverage. A licensed professional reviews your details and contacts you. Submitting this form does not purchase or bind any coverage.
We never sell your information. You can opt out of communications at any time.
Honest answers to common questions
What does the mortgage protection review cost?
Nothing. The review and quotes are free, and there is no obligation to buy. If you choose to buy a policy through us, the carrier pays us a commission — you do not pay us a separate fee.
Is mortgage protection different from PMI?
Yes. Private mortgage insurance (PMI) protects your lender. Mortgage protection life insurance pays a benefit to your beneficiaries, who can use it toward the mortgage or other needs.
Does the coverage go down as I pay off the loan?
It depends on the policy. Some decrease with your balance; level term keeps the same death benefit for the whole term. We show you both where available.
Do I need a medical exam?
It depends on the carrier, your age, your health and the coverage amount. We will tell you which applies to your quote before you apply.
Is coverage available in my state?
Availability depends on where you live and on our licensing and carrier appointments. If we cannot help in your state, we will tell you directly rather than pass your details on.
What happens to my information?
We use it to prepare your review and quotes and to contact you about your request. We never sell your information. See our Privacy Policy for details.
Ready to match coverage to your mortgage?
Start with the free needs analysis. Prefer plain term life? See our term life needs analysis.
Start my free mortgage protection review