Helping you
safeguard your loved
ones and secure your financial well-being
Get mortgage coverage protection against death, illness, and more. Talk to one of our experts for a FREE Strategic Assessment.
Securing Your Family and Future
Ensure they are protected financially should unexpected events, such as illness or disability, prevent you from working or in the event of your untimely passing. Explore the benefits of having mortgage protection insurance for your loved ones.
Avoid Home Foreclosure
The most common cause behind individuals losing their homes stems from the unfortunate scenario where a primary income earner falls seriously ill or passes away.
Pay off Mortgage
In the event of a fatality, illness, or disability, your entire mortgage balance will be fully paid, and any remaining surplus will be directed to your chosen beneficiary.
Full Refund of Premiums
If you remain alive during the coverage period, you have the opportunity to receive a full refund of your premiums, along with accumulated interest.
Living Financial Benefits
Living Benefits extend coverage to the insured in the case of a severe illness or significant disability, granting access to as much as 80% of the total death benefit.
Create Your Legacy
Instead of leaving your family with a financial burden, bequeath them an asset. Forge an enduring legacy by providing them with a home that's completely free from mortgage obligations.
Avoid Home Foreclosure
The most common cause behind individuals losing their homes stems from the unfortunate scenario where a primary income earner falls seriously ill or passes away.
Pay off Mortgage
In the event of a fatality, illness, or disability, your entire mortgage balance will be fully paid, and any remaining surplus will be directed to your chosen beneficiary.
Full Refund of Premiums
If you remain alive during the coverage period, you have the opportunity to receive a full refund of your premiums, along with accumulated interest.
Living Financial Benefits
Living Benefits extend coverage to the insured in the case of a severe illness or significant disability, granting access to as much as 80% of the total death benefit.
Create Your Legacy
Instead of leaving your family with a financial burden, bequeath them an asset. Forge an enduring legacy by providing them with a home that's completely free from mortgage obligations.
Safekeeping for a Good Life
Our objective is to assist homeowners in discovering the most suitable mortgage protection insurance policy. We collaborate with numerous insurance providers, but we do not have exclusive ties to any single company. Our sole aim is to guarantee that you secure the most optimal plan, tailored to your needs, at a competitive price, through the provider that aligns best with your preferences.
What is Mortgage Protection?
A Mortgage Protection Insurance Policy safeguards you from unforeseen and involuntary job loss or disability, ensuring your financial stability. Additionally, this insurance can pay off your remaining debt in the event of your passing, sparing your family from additional financial burdens.
Builds Cash Value
Provides Living Benefits
Settles Your Mortgage Debt
We partner with companies you can trust to get the right deal for you.
Who Should Get Mortgage Protection Insurance?
You might be thinking if you need more insurance on top of what you already have. Imagine if you couldn't work for months. How would you handle your biggest bills during that time? This insurance might be better for some people and families than for others.
If your job has many risks, this insurance can help if something unexpected happens. Also, if you or your partner have had health problems or have them now, you should think about getting MPI.
Luckily, mortgage protection insurance is reasonably priced and can really help during tough times. It is a smart choice to add more safety to your money plans if it fits with your budget and the rules of the insurance are not too strict.
How It Works:
Schedule Your Free Consultation
Our representative will set up a phone call with you. Make sure you have about 30 minutes of quiet time for our conversation, and if you have a significant other, check that they can be there for the call too..
Understand your unique situation
During the conversation, your representative will discuss your specific situation to best understand your needs. This includes your current mortgage, your health, your income, and any insurance you may already have. This information will help them give you the best options.
Present Your Options
Your agent will provide you with insurance options based on your needs. It is important to know that these options are suggestions from a licensed agent, but they don't guarantee that you will be accepted for any of them.
Applying for Approval
Depending on whether the suggested insurance options are a good fit for you, the next step is to send your information for approval from the insurance company. Sometimes, in specific cases, you can finish both the application and approval process on the same day.
Evaluating Your Coverage
Once you get approval, your insurance policy will be sent to you through first-class mail. You will have 30 days to review your coverage and make sure you're happy with it.
Testimonials
Hear our success stories. Coming soon.
How to Select Mortgage Protection Insurance
When you're thinking about getting Mortgage Protection Insurance, it's a good idea to talk to a licensed life insurance broker who knows a lot about this type of insurance. Just as how you would go to a specialist doctor for specific health problems, getting advice from an insurance expert is the best way to figure out how much protection you need for your mortgage payments.
You can contact us, and we can help you find insurance policies that are affordable and fit your needs. We have certified brokers who are licensed in your state. Our broker will carefully pick the most dependable insurance company, create a policy that covers everything you need, and make sure you get the right benefits. All of this is to protect what is most important in your life.
Selecting an Insurer
When we're looking at different insurance companies, we focus on picking one that is well-known and has a good reputation. We want to make sure they make the whole process easy for you. We also look at companies that are experts in dealing with different parts of your health and lifestyle.
Evaluating Your Risk Factors
We always aim to find an insurance company that specializes in meeting your particular needs. This is important because the cost of mortgage protection insurance can change based on your individual health and lifestyle factors.
Selecting an Insurer
When we're looking at different insurance companies, we focus on picking one that is well-known and has a good reputation. We want to make sure they make the whole process easy for you. We also look at companies that are experts in dealing with different parts of your health and lifestyle.
Evaluating Your Risk Factors
We always aim to find an insurance company that specializes in meeting your particular needs. This is important because the cost of mortgage protection insurance can change based on your individual health and lifestyle factors.
Analyzing Coverage
It is important to make sure that the amount of money you would get from the insurance can cover all the costs of your mortgage, like the interest and the payments. It's also a good time to figure out how much insurance you need to protect yourself completely.
Reviewing the Waiting Period
Make sure that your insurance policy pays out quickly to avoid putting your family in financial trouble. If something happens to the main person bringing in money for your family, it's already really hard emotionally at home. You don't want to add money problems on top of that. In most states, there is no waiting time to get the payout, except for a two-year period for cases involving suicide.
Analyzing Coverage
It is important to make sure that the amount of money you would get from the insurance can cover all the costs of your mortgage, like the interest and the payments. It's also a good time to figure out how much insurance you need to protect yourself completely.
Reviewing the Waiting Period
Make sure that your insurance policy pays out quickly to avoid putting your family in financial trouble. If something happens to the main person bringing in money for your family, it's already really hard emotionally at home. You don't want to add money problems on top of that. In most states, there is no waiting time to get the payout, except for a two-year period for cases involving suicide.
Considering Your Dependents
Think about whether you have kids or elderly parents who depend on you for help and how long they might need that help. This will help you decide how much insurance you need and how long you should have it for.
Assessing Your Budget
There are different levels of mortgage protection policies, and what you can afford will decide which level is right for you. Remember, the more coverage you want, the more the policy will cost.
Considering Your Dependents
Think about whether you have kids or elderly parents who depend on you for help and how long they might need that help. This will help you decide how much insurance you need and how long you should have it for.
Assessing Your Budget
There are different levels of mortgage protection policies, and what you can afford will decide which level is right for you. Remember, the more coverage you want, the more the policy will cost.
Frequently Asked Questions
How Can I Get a Quote?
Getting mortgage protection insurance is the best way to make sure your family is financially secure. To figure out what's best for you, it's important to look at all your options, like mortgage protection insurance, and talk to your family about it. Before you decide anything, think about how much your loan is and find a qualified broker to help you. You can set up a Personalized Evaluation with one of our brokers to get a quote that fits your needs.
How Does My Mortgage Protection Insurance (MPI) Work?
Mortgage protection insurance is there to help you with your home loan, but only under certain circumstances outlined in the policy. For instance, if you get sick, lose your job, or die, the insurance can assist with your loan payments. However, it is important to carefully read the policy because it specifies what situations are covered. If you voluntarily quit your job, the insurance may not apply. In the event of your passing, mortgage protection policies can either pay off your entire home loan or provide support for a fixed period by covering your payments.
How Long Does a Mortgage Protection Plan Last?
Mortgage protection insurance can last for 10, 20, or 30 years, based on how old you are. After that initial period, you can still keep the insurance each year, but the cost will go up each time.. The good thing is, the monthly price you start with won't change during those first 10, 20, or 30 years. If you want, you can keep this insurance until you're 95 years old. Another choice is to use it to help pay your monthly house payments for a set time.
What Are the Advantages of Mortgage Protection Insurance?
MPI plans help you feel secure for unexpected situations such as passing away or not being able to work due to injury. If you cannot find a job and lose your money source, you might have to deal with legal issues with your house loan. But, if something happens to you, most MPI plans will pay the full house loan, not just the remaining amount. This can provide your family with extra funds for important expenses. If the person with the insurance dies, the family may receive additional money to assist with their financial needs.
Schedule Your Free Consultation
Schedule your no-obligation, FREE consultation with one of our licensed agents to review your coverage options and determine the BEST option for you and your loved ones
Schedule your no-obligation, FREE consultation with one of our licensed agents to review your coverage options and determine the BEST option for you and your loved ones.
My Affordable Mortgage Coverage
My Affordable Mortgage Coverage
The Mortgage Protection Experts
The Mortgage Protection Experts
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