Mortgage protection insurance pays off — or pays down — your home loan if you pass away or become disabled, so your family never has to worry about losing the house.
Mortgage protection insurance is built around one job: making sure your family can stay in the home you worked for, even if you're not there to keep making the payments. If you pass away or become disabled, the policy pays toward or pays off the mortgage balance — not the lender, not the bank. Your family.
It's different from the homeowners insurance or PMI your lender may require. Those protect the lender's collateral. Mortgage protection protects your family's ability to keep living there.
A mortgage protection quote comparison is always free, with zero obligation to buy.
Many mortgage protection policies use simplified underwriting for faster approval.
It ensures the roof stays over your family's head.
These policies are designed for one purpose — protecting the roof over your family's head.
If you pass away, the policy pays toward or pays off your remaining loan balance, directly protecting your family's home.
Optional riders can cover your mortgage payments if you become disabled or are diagnosed with a covered critical illness — not just in the event of death.
Some policies offer a return-of-premium option, refunding the premiums you paid if you outlive the policy term.
*Subject to policy terms, exclusions, and the contestability period — we'll walk you through the specifics of any policy before you enroll.
Tell us about your mortgage, your budget, and what keeps you up at night. No pressure, no obligation.
We compare dozens of top-rated carriers to find the coverage that fits — and the price that makes sense.
We lay out your options in plain English. The final decision is always yours — no pressure, no upsell.
From day one through any future claim, we stay in your corner as your lifelong advocate.
Preston was a godsend. He walked me through a Mortgage Protection plan that gave me so much peace of mind knowing my home is secure.
Still have questions? We'd rather explain it now than have you wonder later.
Talk to an AdvisorLife Insurance pays a generally tax-free lump sum directly to your beneficiaries, who can use the money for anything — tuition, bills, or savings. Mortgage Protection is designed specifically to pay off your home loan balance if you pass away or become disabled, ensuring your family keeps the roof over their heads.
Many mortgage protection policies include optional disability and critical-illness riders that can cover your mortgage payments if you become unable to work — in addition to the death benefit.
Not always. Many mortgage protection policies use simplified underwriting with a health questionnaire instead of a medical exam, which can mean faster approval — perfect for busy homeowners.
No. Mortgage protection insurance is optional and separate from any lender-required homeowners insurance or PMI. It protects your family's ability to keep the home — not the lender's collateral.
Tell us a little about your mortgage and we'll reach out with a free, no-pressure plan review. No spam, no obligation — just an honest look at your options.
