Mortgage Protection Insurance
Your family keeps the house. Not the mortgage.
Compare mortgage protection options from top-rated carriers in about 60 seconds. Free, no obligation.
Peace of mind for the biggest investment you'll make
Help keep the home in the family
A benefit that can go toward your mortgage if you pass away, so loved ones aren't forced to move.
Living benefit options
Some plans include riders for critical illness or disability. Availability varies by carrier.
Licensed, independent agents
We compare multiple carriers to find options that fit your budget and health profile.
Simple, fast process
Many plans offer simplified underwriting — some without a medical exam.
The basics
What is mortgage protection insurance?
For most families, the mortgage is the largest monthly bill — and the home is their most important asset. Mortgage protection insurance is designed to help make sure your family can stay in that home if you pass away or, with some plans, if a serious illness or disability interrupts your income.
It's typically a straightforward term life policy sized to your mortgage balance, with living benefit riders available from many carriers. No complicated investment components — just protection for the roof over your family's head.
Pays toward the mortgage
The benefit can be used to pay off or keep up with mortgage payments, so your family isn't forced to sell or move.
Simple application
Many plans use simplified underwriting — answer a few health questions instead of scheduling a medical exam.
Budget-friendly options
Because coverage matches your mortgage balance and term, plans are often more affordable than people expect.
You stay in control
You choose the coverage amount and the plan. Comparing options is free and there's never an obligation.
Who is mortgage protection for?
If anyone depends on your income to keep the home, it's worth a look. It's especially worth considering if you are:
A new homeowner
You just took on the biggest debt of your life. Protection helps make sure it never becomes your family's burden.
The primary earner
If your household relies on your income to make the payment, a benefit can bridge the gap if you're gone.
A parent or caregiver
Keeping the kids in their home, their school, and their routine matters most when everything else has changed.
How it works
- 01
Answer a few questions
Takes about a minute.
- 02
Talk with a licensed agent
We review options from multiple carriers.
- 03
Choose your plan
Only if it's right for you — no pressure.
Common questions
What is mortgage protection insurance?+
It's a type of life insurance designed to help pay off or cover your mortgage if you pass away. Some plans also include living benefits for critical illness or disability, depending on the carrier.
Do I need a medical exam?+
Often not. Many carriers offer simplified underwriting with just a few health questions. Your eligibility depends on the carrier and plan.
How much coverage do I need?+
Most homeowners choose an amount close to their remaining mortgage balance. A licensed agent can help you decide what fits your situation and budget.
What does it cost?+
Cost depends on your age, health, tobacco use, coverage amount, and term length. Comparing multiple carriers is the best way to find an affordable rate — that's what we do for free.
I already have life insurance. Do I still need this?+
Possibly not — it depends on whether your existing coverage is enough to cover the mortgage on top of your family's other needs. An agent can review what you have and identify any gap.
Is there any obligation when I request a quote?+
None. Comparing options is free, and you decide what — if anything — is right for you.
Ready to see your options?
It takes about 60 seconds, it's free, and there's no obligation.
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