We understand that finding the right mortgage protection can be overwhelming. That's why we're here to help simplify the process.
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We've compiled a list of frequently asked questions to provide you with quick and helpful answers. If you have a question that is not addressed below...
Mortgage protection is life insurance designed to help pay off your mortgage if you pass away (and in some plans, if you become disabled or critically ill). The benefit is paid directly to your family, who decides how the money is used — not the bank.
No. PMI (Private Mortgage Insurance) protects the lender. Mortgage protection protects your family.
No. Your lender may offer coverage, but you are not required to buy through them. Many homeowners choose independent mortgage protection plans because they often offer better coverage options and more flexibility.
Costs vary based on age, health, coverage amount, and plan type. Most homeowners are surprised to learn that mortgage protection is often very affordable, with many plans costing less than a monthly streaming subscription.
Your family receives the benefit — never the lender. They can use the funds to pay off the mortgage, cover monthly payments, or handle other financial needs during a difficult time.
About Us
We are dedicated to helping homeowners understand mortgage protection and compare coverage options. Our mission is to simplify the process of protecting your home and family.
With years of experience working with homeowners and top-rated insurance carriers, we focus on education and clarity — not pressure.
We work with a broad range of mortgage protection plans designed to fit different budgets, health profiles, and coverage needs.
Our easy-to-understand comparisons help you review options side by side so you can make informed decisions with confidence.
We pride ourselves on providing clear, unbiased information and personal support every step of the way.