Mortgage Protection Plans
See if you pre-qualify in 60 seconds. Free, no obligation.
Partnered with 45+ A-rated carriers
What families say
Real clients, shared with their permission.
I filled out a form online expecting to get spammed, but the agent texted me within minutes and was super respectful of my time. He explained mortgage protection in plain English. We got covered in one phone call.
My husband and I are in our 50s and figured coverage would be too expensive. It came in way under what we expected.
We just bought our first house and had no idea this kind of coverage existed. No pressure at all. He showed us three options and let us pick what fit our budget.
Everything was done over the phone and by e-signature. No home visit, no stack of paperwork.
I'd talked to two other agents who just tried to push the most expensive plan. This was the opposite experience.
He found me a policy with living benefits, so if I get seriously ill it still helps with the mortgage. I didn't even know that was an option.
I'm self-employed, so I was worried about what happens to the house if I can't work. He walked me through disability riders and got me a plan that covers it.
I thought filling out that form meant ten salespeople would call me. Instead I got one friendly phone call, a quick text, and a clear answer. I was assigned Alex and he was super helpful, not pushy, and informative, I got covered the same day.
He was upfront about what I qualified for and what I didn't. I appreciated that he didn't oversell.
How it works
Answer a few quick questions
Takes about a minute. No exam, no paperwork.
We shop the carriers
A licensed agent compares plans from multiple top rated insurers.
Pick what fits
See real prices on a short call. Choose only if it makes sense for you.
Common questions
What is mortgage protection insurance?
It's life insurance set up around your mortgage. If you pass away, the policy pays your beneficiary so your family can pay off the home or keep up with payments. Many plans also pay out early if you're diagnosed with a serious illness.
Is this the same as the PMI on my mortgage?
No. PMI protects your lender and pays them, not your family. Mortgage protection pays the person you choose, so your family decides what happens with the house.
How much does it cost?
It depends on your age, health, coverage amount, and term length. That's why we ask a few questions first. Your agent compares carriers and shows you real numbers. Getting a quote is free.
Do I need a medical exam?
Many plans require no medical exam at all. Coverage is based on a few health questions. Your agent will tell you which options apply to you.
I have health issues. Can I still qualify?
Often, yes. Different carriers look at conditions like diabetes, heart history, or past cancer very differently. That's exactly why working with an agent who shops multiple carriers matters.
What happens if I refinance or sell my home?
The policy belongs to you, not your lender. It stays in place as long as you keep it active, even if you refinance, move, or pay off the house.
Why do I have to verify my phone number?
So your quote goes to you and not to someone else because of a typo. It also keeps fake requests out, so our agents can spend their time helping real homeowners.
I already have life insurance through work. Do I need this?
Maybe not. Many work policies end when you leave the job, and they often pay only 1 to 2 times your salary, which may not cover the house. A licensed agent can look at what you have and tell you honestly if you need more.
Will I get a lot of calls?
No. One licensed agent reaches out to go over your options. You can reply STOP to any text or ask us not to call, and we will honor it.
Am I obligated to buy anything?
No. The quote is free and there's no obligation. If it doesn't make sense for your family, you simply say no thanks.
If something happens to you, your family keeps the house.
60 seconds. Free. No obligation.
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