Your family stays in their home. Period.
Mortgage protection insurance is term coverage sized and timed to your mortgage balance, so if something happens to you, your family can pay off the home instead of losing it. Unlike standard term life, it's designed specifically around your loan, and many policies also include living benefits for disability or critical illness.
- Pays off your mortgage if you pass away, your family keeps the house
- Options that also cover disability and critical illness (living benefits)
- Coverage matches your loan, decreases as your balance decreases
- Simplified underwriting, faster approval
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This is right for you if...
- You recently bought a home or refinanced
- You want your family to keep the house no matter what happens
- You want coverage that decreases in cost as your mortgage balance drops
- You want a simple way to protect your single biggest financial obligation
How it works
- 01We review your mortgage balance, term, and household budget
- 02We size a term policy to match your remaining mortgage years
- 03Your family receives a payout to pay off or pay down the home if needed
- 04Coverage can be approved quickly, often without a medical exam
Key Benefits
In depth
Your mortgage is probably your biggest monthly obligation. Mortgage protection insurance makes sure that if you're gone, your family doesn't lose the home you built together.
Unlike standard term life, it's designed specifically around your loan, the coverage amount decreases as your balance decreases, keeping premiums lower while your family stays fully protected.
Many policies also include living benefits: if you're diagnosed with a critical illness or become disabled and can't work, the policy can step in and cover your payments while you recover.
Frequently asked questions
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