Mortgage Protection pays your family a tax-free cash benefit if you pass away, become critically ill, or can’t work due to injury or illness.
The funds can be used for mortgage payments, utilities, car notes, groceries, or anything your family needs to stay afloat during tough times.
It’s designed to keep your loved ones in their home and financially stable during life’s most difficult moments.

The critical period is the first 12–24 months after a major life event, when income may stop, but your bills don’t.
Mortgage Protection provides immediate cash to cover your home and living expenses during that window, giving your family time to adjust, heal, and plan without panic.

Traditional term life only pays out if you die, and 98% of term policies expire without ever paying a benefit.
Mortgage Protection is designed to protect your home and family while you’re alive and well, too.
It can include Living Benefits, a Return of Premium (ROP) refund if you outlive the policy, and a Convertible Term feature that lets you secure permanent lifetime protection later, with no new health exams.

That’s the power of future-proofing your coverage.
If you have a Return of Premium (ROP) plan, you’ll get 100% of your money back, tax-free.
Or, if you have a Convertible Term policy, you can upgrade to permanent whole life coverage with cash value and lifetime protection, no new health questions, no medical exams, no risk of being declined later.
This matters most when a standard term policy expires, because at that point, you’re older, and new coverage would cost dramatically more (if you can even qualify).
Mortgage Protection keeps you one step ahead of that problem.

Most of the time, no exam is needed.
Mortgage Protection plans use simplified underwriting, meaning you just answer a few quick health questions and get approved in minutes, not weeks.
That said, if you’re looking for higher benefit amounts or have unique health circumstances, we also have fully underwritten options available.
Those cases get a more detailed review and often open the door to larger coverage, lower rates, or special carrier programs that simplified plans can’t match.

Yes.
You can increase, decrease, or convert your coverage as your life changes for example, when you refinance, move, or pay down your mortgage.
Your policy is designed to grow with you, not against you.

Most homeowners pay between $50–$95 per month depending on age, coverage amount, and features.
With Return of Premium or Convertible Term options, your money either comes back to you or locks in lifetime value, making it one of the smartest long-term protection strategies available.

Your policy stays with you, not your loan.
You can apply your coverage to your next home, use it to protect income, or even convert it to permanent protection as part of your long-term financial plan.

Absolutely.
It’s the only life insurance that:

Protects your home and income during the critical period.

Pays your family while you’re alive (via living benefits).

Returns every dollar you’ve paid (via ROP).

Converts into lifetime, cash-value coverage (via Convertible Term).

Mortgage Protection isn’t just life insurance, it’s a plan that protects your family today and your future self tomorrow.