Secure
Your Future
Protecting Your Loved Ones with Reliable
Solutions from the Gabriel Life Group
Our Mission
At LifeGuard Insurance, we are dedicated to providing peace of mind by offering comprehensive life insurance coverage tailored to your unique needs.
Coverage
Crafting extraordinary events tailored to your unique vision.
Term Life Insurance
Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Universal Life Insurance
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Frequently Asked Questions
Common Questions Answered for your convenience.
What exactly is mortgage protection life insurance?
Mortgage protection is a term life insurance policy designed to help pay off your remaining mortgage balance if you pass away unexpectedly. The death benefit goes to your loved ones (or directly to the lender in some cases), ensuring they can keep the home without financial strain. It's not the same as private mortgage insurance (PMI) — this protects your family, not just the lender.
How is mortgage protection different from regular life insurance?
Regular life insurance pays a lump sum to your beneficiaries for any purpose (bills, education, etc.), while mortgage protection is specifically tailored to cover your home loan balance, often with a decreasing death benefit that matches your mortgage payoff amount over time. It can be more affordable and easier to qualify for, especially if you're focused on home security.
Do I need mortgage protection if I already have other life insurance?
It depends on your situation. If your current policy's payout is enough to cover the mortgage and other needs, you may not need a separate one. However, many homeowners choose mortgage protection for its targeted coverage, simplicity, and often lower cost. We can review your existing policies together to see if there's a gap.
How much does mortgage protection cost, and what affects the price?
Premiums vary based on your age, health, mortgage balance, term length, and coverage amount — typically ranging from $20–$100+ per month for most people. It's often more affordable than you think, especially compared to the risk of leaving your family with a large mortgage. We'll shop multiple top carriers to find the best rate for you.
What is the application and approval process like?
The process is straightforward: We start with a quick phone or online consultation to understand your needs. Then, we gather basic info (health history, mortgage details) and submit an application. Many policies offer no-medical-exam options with fast approvals — often within days. We handle the paperwork and guide you every step.
Why should I work with Gabriel Life Group instead of going directly to a big insurer?
As independent brokers with access to multiple top-rated carriers, we compare options to find the best coverage and rates tailored to you — not just one company's products. We provide personalized guidance, handle the details, and are here long-term to review your policy as your needs change. Our focus is on protecting your family and home, not pushing a single plan.