Mortgage protection
Mortgage protection, explained by one licensed agent in your state.
A few short questions, then one licensed agent can call to walk you through your options. Nothing is bought on this page.
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- Only agents licensed in your state
- No obligation, no exam
- Your answers go to one agent, never to several at once.
Did you know
$155,600
the median amount still owed on a first mortgage*
66%
of families own the home they live in*
42%
of families still owe money on the home they live in*
47%
of adults say their household would struggle within six months of losing the main earner**
What it covers
What this coverage is for
A private policy, not a lender requirement
No lender arranges this and no lender requires it. It is life insurance you buy, own and can cancel.
The money goes to the person you name
It is paid to the person named on the policy, not to the lender. What it is spent on is theirs to decide, and clearing the house is one of the choices.
The payment does not pause
The house costs what it always cost on the same schedule, in the worst week the family has had.
Staying put stays a choice
Whether the family keeps the home is a decision somebody makes. This is about it remaining a decision rather than an outcome.
Side by side
With a plan, and without one
When the coverage is in place
- The family decides whether to stay instead of being told.
- The house payment is not the first problem of the first week.
- The questions were asked once and calmly of one licensed agent.
- The paperwork sits in one place and somebody knows where.
When there is nothing in place
- The house payment arrives on the schedule it always did.
- The family works out what it can afford in the same week it is grieving.
- Selling becomes the option that is left rather than the one that was chosen.
- Nobody is certain what coverage exists or where the papers are.
How it works
What happens next
Answer a few short questions
Roughly what is left on the mortgage and a little about your household. The questions after your details are optional.
One licensed agent can call
One agent, licensed in your state. Your answers go to that one agent, never to several at once.
They explain the options
What each kind of coverage is for and what it is not for. Nothing is bought on this page.
Answers
Questions people ask
Does the money go to the lender?
No. It goes to the person named on the policy. They decide what to do with it, and clearing the house is one of the things they can choose.
Does the amount shrink as the loan is paid down?
That depends which kind you buy. Level term stays the same for the whole term, and decreasing term is written to fall over time. The agent shows you both and what each one is for.
What happens at the end of the term?
Term coverage ends when its term does, unless something else is arranged before then. That is a date worth knowing in advance, and the agent goes through the options.
Is this arranged by my lender?
No. This site is not affiliated with your lender, and it does not sell insurance itself.
Start here
The home and who decides about it
One licensed agent in your state. The questions take a few minutes, and nothing is bought on this page.
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