Your mortgage doesn't stop just because you did.
If something happens to you, your family still owes every payment. Mortgage protection makes sure they can stay in the home — without the added financial fear.
A real person calls you
A licensed insurance professional reaches out personally — never an automated system.
Under a minute to complete
The form above is short by design — no long applications up front.
No obligation to buy
You'll get a clear quote and an honest conversation — the decision is always yours.
Mortgage protection isn't the same thing as PMI.
The two get mixed up constantly, but they protect completely different people. Here's the actual difference.
Mortgage protection insurance
Protects your family
- Pays out if you die or become disabled
- Benefit goes to your family, not the lender
- Optional — you choose whether to carry it
- Coverage amount and term are up to you
PMI (private mortgage insurance)
Protects your lender
- Pays out if you stop making payments
- Benefit goes to the bank, not your family
- Usually required if your down payment was under 20%
- Set by your lender, not something you shop for
How getting covered actually works.
No surprises — here's exactly what happens after you request a quote.
You tell us the basics
A few details about you and your mortgage — that's the form above. It takes under a minute.
A licensed agent calls with real numbers
No canned quote. A real person reviews what you submitted and calls with pricing built for your age, health, and mortgage balance.
Most people qualify without a medical exam
Many mortgage protection policies use simplified underwriting — a short health questionnaire rather than labs or a paramedical exam.
Coverage can start within days
Once approved, your policy is active — and your family is protected for as long as you keep it in force.
Common questions
The things people usually ask before they get a quote.
How much does mortgage protection insurance cost?
It depends mainly on your age, health, and how much coverage you're requesting. Many healthy applicants pay somewhere between the cost of a streaming subscription and a car payment each month — your agent will give you an exact number based on your situation, not a generic estimate.
Do I have to be in perfect health to qualify?
No. Most carriers offer coverage across a range of health conditions, sometimes at a different rate. A short conversation with your agent will tell you exactly what you qualify for — there's no harm in asking.
Does the payout go to my mortgage lender?
No — that's the key difference from PMI. The benefit is paid directly to your named beneficiary (typically your spouse or family), who can then decide how to use it, including paying off or paying down the mortgage.
Can I cancel the policy later if I need to?
Yes. Mortgage protection policies are typically not tied to your mortgage itself, so you can cancel at any time. Your agent can walk you through the specifics of the policy you're considering.
Will an AI or bot be the one contacting me?
No. A real, licensed insurance professional reviews your submission and calls you personally. No automated calls, no chatbots.