It provides guaranteed funds that cover your outstanding mortgage balance even when unforeseeable events such as accidents, disability, and/or death occur. Mortgage Protection helps leave a legacy for your most important investment, your family.

You can pay for more, less, or the exact balance of your mortgage. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage. You can even get add on features known in the insurance industry as riders that add benefits to your policy. These riders cover unforeseen events like accident or disability protection.

Our agency now represents 40+ insurance carriers and we provide you the best options. For example, if you are say a healthy and young adult in your 20s or 30s then you can get a $100,000 coverage for less than the cost of a McDonald’s meal for a family of four.

Over 90% of Americans face not only the loss of a loved one but the loss of their home. Mortgage Protection Insurance provides coverage that is easy to purchase, usually requires no physical exam, and has rates that are competitive and affordable for any budget. Certain policies also offer a return of premium feature or rider, so if you don’t use the benefit, you get your money back.

Most plans offer simplified underwriting. We work as your agent helping you with the qualification process. There is no medical exam necessary and no credit checks. You just fill out a simple questionnaire and we match you with which agency offers you the best rate. Even if you have a pre-existing condition, this option can be a competitive option to still be able to qualify for coverage than medically backed policies. Medically backed policies generally require an independent doctor’s visit to verify your questionnaire. Click the button below and get prequalified and our agent will contact you at your convenience.

If you plan to purchase a home, or you’re already paying a mortgage, you should have this insurance if you want to ensure your family is protected if the unexpected happens to you. Have more questions? We are happy to answer any questions you might have. Get in touch with us.

PMI is designed to protect your lender and not you. PMI pays off your mortgage but it doesn’t return to your family any equity in the home. In this scenario, your estate generally looses the home and any equity which can be emotionally and financially devastating. Mortgage protection is private insurance that protects your family.