Keep the roof over your family's head — no matter what.
The Basics
What is Mortgage Protection?
Mortgage protection insurance is a life insurance policy designed to pay off your mortgage if you pass away. Your family keeps the home free and clear — no scrambling to make payments during the hardest time of their lives.
What It Covers
Your family stays in the home
If you pass away
The policy pays off the remaining mortgage balance. Your family owns the home outright.
If you become disabled
Many policies include disability riders that cover your mortgage payments if you can't work due to illness or injury.
If you get critically ill
Critical illness riders can provide a lump sum to cover the mortgage while you focus on recovery.
Benefits
Why homeowners choose this
Coverage matches your mortgage balance
Payout goes to your family — not the bank
Rates are locked in and affordable
Optional riders for disability and critical illness
Quick Answers
Common questions
Is this the same as PMI?
No. PMI (private mortgage insurance) protects the lender. Mortgage protection insurance protects your family. The payout goes directly to your beneficiaries — they decide how to use it.
Do I need a medical exam?
Most mortgage protection policies require no medical exam. Just a few health questions and you can be approved quickly — sometimes the same day.
What if I refinance or move?
The policy stays with you, not the house. If you refinance, move, or pay down your mortgage, the coverage is still yours. You can adjust it as needed.