Protect Your Home With Affordable Mortgage Protection Insurance

A fully underwritten life insurance policy designed to pay off your mortgage and protect your family — not the watered‑down AD&D coverage you get in the mail.

What mortgage protection really is

Mortgage protection is simply life insurance designed to cover your mortgage balance if you pass away. It helps ensure your family keeps the home, the payments stay covered, and the mortgage doesn’t become a burden during an already difficult time.

Most homeowners choose mortgage protection because it can:

• Protect the home from being sold under pressure
• Replace lost income for a period of time
• Prevent financial stress for a surviving spouse or family
• Give your family time and stability to make decisions on their terms

Fully underwritten mortgage protection = lower premiums

Most mortgage protection offers you see online or in the mail are non‑medical policies. They are quick and convenient, but that convenience usually comes with trade‑offs:

• Higher monthly premiums
• Lower coverage amounts
• Shorter available terms
• Less stable long‑term pricing

With a fully underwritten mortgage protection policy, you complete a short paramed exam, but in exchange you typically get:

• Lower premiums than non‑med policies
• Access to higher coverage amounts
• More term length options
• Stronger overall underwriting and policy stability

Why the paramed exam is worth it

• Usually 20–30 minutes
• Completed at your home or workplace
• No cost to you
• Basic measurements, labs, and health questions
• Helps you qualify for the best available rates

Avoid the junk mail mortgage protection offers

After closing on your home, you may receive a stack of mortgage protection mailers. Most of them look urgent and official, but here’s the reality:

Many of those offers are AD&D only — accidental death and dismemberment coverage.

That means they typically:

• Do not cover death from illness
• Do not cover cancer
• Do not cover heart attack or stroke
• Do not cover natural causes

Our mortgage protection policies cover more than AD&D

• Illness and natural causes
• Cancer
• Heart attack and stroke
• Accidents
• Other covered causes of death under the policy

How much mortgage protection coverage do you need?

You don’t need a complicated calculator to get a useful estimate. A simple rule of thumb works well for most families.

Recommended mortgage protection amount:

Mortgage balance
+ 1 year of income
+ $10,000–$20,000 for final expenses

Example:

• Mortgage balance: $320,000
• Annual income: $70,000
• Final expenses: $15,000

Estimated coverage need: $405,000

This type of coverage amount can help your family:

• Pay off the mortgage or significantly reduce the balance
• Cover immediate expenses and transition costs
• Maintain financial stability while they adjust

How mortgage protection works

1. Quick quote
   Share your basic information, mortgage balance, and goals. I’ll compare options from the carriers I work with.
2. Simple application
   We complete a short application and schedule your paramed exam at a time and place that works for you.
3. Coverage that protects the home
   Once approved, your policy is designed to provide a benefit your family can use to pay off the mortgage, reduce the balance, or replace income.

The benefit is paid to your chosen beneficiary — not the lender — so your family stays in control of how the money is used.

Get your mortgage protection quote

Use the form below to request a personalized mortgage protection quote. You can mention your mortgage balance, monthly payment, and whether you’d like full payoff or income replacement in the additional details section.

Mortgage protection FAQ