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Frequently Asked Questions
Common Questions Answered for your convenience.
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.
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.
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.
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.
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.
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.