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For homeowners with a mortgage

Your Lender Is Insured. Is Your Family?

See if you may qualify for coverage that helps your family keep the house if you are gone. About a minute. Free to check.

How old are you?

Options depend on age, so this is where we start.
Every review is done by an agent licensed where you live.
One house, two outcomes
Mortgage statement ·
Past duePaid
Principal balance$250,000
Monthly payment$1,500
Status1 month past due
Late fee$75.00
Amount due now$3,075.00
Same payment. Same due date. Less income to cover it.

Thank you. A licensed agent will take this from here.

For homeowners 80 and over, the right options depend on the details. Rather than an online estimate, a licensed agent goes over them with you by phone. We just need a few details to set up the call.

About how much do you still owe on your mortgage?

Your best guess is fine.

remaining balance
$25,000$1,000,000+

What is your monthly mortgage payment?

The amount you send each month, including taxes and insurance if they are part of it.

monthly payment
$500$6,000+

How much of the mortgage would you want protected?

Pick what would give your family room to breathe.

What is your ZIP code?

Plans differ by state, so we check what is offered where you live.

Please enter a valid 5 digit ZIP code.

Have you used tobacco or nicotine in the last 12 months?

Either answer is fine. It just helps match you to the right plans.

How would you describe your health right now?

There are options for many health situations. This just points your agent in the right direction.

What is your name?

So your agent knows who they are speaking with.

Please enter your first and last name.

Who would this coverage protect?

You can always change this later.

Where should we send your summary?

We will send your review confirmation and a written recap here.

Please enter a valid email address.

Last step. What is the best number to reach you?

This is the number your licensed agent will call or text to set up your review.

Please enter a valid 10 digit US phone number.
Your information is encrypted and kept private.

How mortgage protection helps

Your family keeps their choices

If you pass away, the policy pays the people you name. They can keep up with the payments and stay in the home instead of being pushed into a sale.

Sized to your loan, not a guess

We start from your real balance and payment, so the coverage fits the debt instead of a number pulled from a chart.

It starts with a phone call

Talk it through with a licensed agent by phone. No paperwork to gather, and no exam needed just to ask questions.

The gap

The loan keeps going. The paycheck may not.

Follow the same household for three months, first without coverage and then with it.

NO COVERAGE
Month onePayment made from savingsPaid
Month twoThe income that paid it stopsShort
Month threeLate fee added, letters startPast due
WITH COVERAGE
Month onePayment made as usualPaid
Month twoBenefit paid to the familyCovered
Month threePayment made on timeCurrent

The benefit goes to your family, not the lender.

What keeps coming

The bill arrives on schedule, no matter what happened at home.

  • What you owe
  • What you pay each month
  • When it is due

What can stop

Losing a paycheck does not shrink the payment.

  • A paycheck the family counted on
  • The plan the budget was built on
  • Time to sort things out

What protection does

A policy on your life that pays your family.

  • An amount that matches the loan
  • Money that goes to your family
  • Freedom to use it as they need

A real person reviews your options

Behind every request is a licensed agent in your state, not a call center script. They read your answers before they call, so the conversation starts with your house and your family. Text STOP whenever you want the messages to end.

Reviews are led by , , license .

Common questions

Good to know before you call.

What is mortgage protection insurance?

A life insurance policy with the amount set around your mortgage. If you die while covered, the money goes to the people you chose, and they can use it to keep the house. It is different from PMI, which only protects your lender.

Who gets the money, my family or the bank?

Your family, or whoever you name. The bank is never paid directly, and your family decides what to do with the money.

Why is the review free? What is the catch?

You never pay us. If you buy a policy, the insurance company pays the agent a commission that is already built into its prices. Your price is the same whether you go through an agent or not.

I have health issues. Is it still worth checking?

Usually, yes. Insurers look at health differently, and some plans ask only a handful of questions. Your agent can tell you which ones may be open to you. The insurance company makes the final decision.

How long does the call take?

Plan on about 15 minutes. Your agent asks about the loan, your health and your family, then explains your options. You can end the call whenever you like.

What if I decide it is not for me?

That is fine. Plenty of people learn that coverage through work or an existing policy already does the job. You owe nothing either way.

See if you qualify

Takes about a minute. Free, private, and no obligation.

Putting together your plan

· License
Book My Free Coverage Review
Free. No obligation. Nothing is sold on the call.
Your coverage target
$0
Coverage target
Illustration only. Not a quote.
No costNo obligationLicensed agent

What happens next

1
A short call with your agent

Your agent goes over your health, your loan and the people you want covered. Plan on about 15 minutes.

2
Options from several insurance companies

Your agent compares plans that fit your age, health and target, and explains them in plain English.

3
You decide

If something fits, your agent helps you apply. If nothing does, you have your answers and you owe nothing.

What the review covers

  • Your likely options, based on your age and health
  • The right amount of coverage for your loan and your family
  • How the different types of plans compare
  • What applying would involve, if you choose to

What to expect from the call

Free, about 15 minutes, with a licensed agent in your state.

No pressure. You will not be asked to buy anything on the call.

Not a quote. Actual prices come from the insurance company after it reviews your application.

Common questions

Is this the same as my homeowners insurance?

No. Homeowners insurance repairs or rebuilds the house after things like fire or storms. Mortgage protection is life insurance. It pays your family if you die, so they can keep making the payments.

Do I have to commit to anything?

Not at all. You can listen, ask questions and hang up with nothing signed. Applying is a separate step, and only if you want to.

What if I already have life insurance?

Bring it up. Your agent can check whether it is enough to cover the mortgage along with your family's other needs. Sometimes it is, and you will hear that.

How soon could coverage start?

Timing depends on the plan and on the insurance company's review. Some move quickly and some take a few weeks. Your agent can tell you what to expect in your situation.

Book My Free Coverage Review
Free. No obligation. Nothing is sold on the call.

Choose a time for your free review

Your licensed agent will call at the time you pick. It takes about 15 minutes.

Pick your time

Holding change

Keep your phone nearby. A licensed agent will call to go over your plan and answer your questions.

Call us now instead

Busy right now? Pick a better time.

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