Mortgage protection insurance
You bought
the home.
Now protect it.
One unexpected event shouldn't cost your family their home. Mortgage protection keeps the payments coming — even if you can't.
Step 1 of 6 — tap to get started
What's your current home situation?
Just bought a homeRecently closed or closing soon
Already have a mortgageExisting homeowner, not yet covered
Buying in the next 90 daysPre-shopping to know my options
Refinancing my homeUpdated my loan, revisiting coverage
Tap an option above to continue ↓
Rates are based on your age now — the longer you wait, the more you'll pay.
Coverage in 24 hrs
Plans from $30/mo
50,000+ families protected
What's covered
What mortgage protection does for you
A term life policy built around your home loan — not a generic payout.
Death benefit
Tax-free payout so your family can pay off the mortgage and stay home debt-free.
Locked-in premium
Your rate never increases — lock it in now while you're young and healthy.
Flexible terms
10, 15, 20, or 30-year terms matched to your mortgage length.
Disability rider
Makes payments if illness or injury stops you from working.
Optional add-on
Simplified approval
Many plans approve with a few health questions — no blood draw.
Portable coverage
Not tied to your lender — refinance and your policy stays put.
How it compares
Mortgage protection vs. term life
Purpose-built for your home loan — not a generic policy.
Mortgage protection
Term life
Home-specific
✓ Loan-sized
— Generic
No exam needed
✓ Many plans
— Often required
Disability rider
✓ Add-on
— Separate policy
Locked premium
✓ Yes
✓ Yes
Lender-independent
✓ Portable
✓ Portable
Questions
Before you apply
How is this different from what my lender offers?
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Lender-sold policies are tied to their institution. Refinance or switch banks and you lose coverage — and reapply at an older age with higher rates. Independent mortgage protection stays with you no matter what.
Do I need to be in perfect health?
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No. Many plans use simplified underwriting — just a few health questions. Even with high blood pressure, diabetes, or tobacco use, there are competitive plans available.
How much does it cost?
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Rates depend on age, health, loan balance, and term length. Most younger homeowners pay between $30–$100+/month. The earlier you lock in, the lower your rate stays for the entire term.
When's the best time to apply?
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Right when you get your mortgage is ideal. Every year you wait costs more. But you can apply anytime and still lock in competitive coverage.
Is there a waiting period?
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Many plans cover accidental death from day one. Most have a standard 2-year contestability window for natural causes — industry-standard across the board. Your agent explains the exact terms before you commit.
Our carrier network
Mutual of OmahaTransamericaAmericoAmerican AmicableAetnaEthos+ more
Your mortgage · Step 2 of 6
What's your mortgage balance?
We'll match you to a plan sized to your actual loan.
$300,000
$50k$800k+
Most plans are flexible and depend on coverage amount, age, and health. Most homeowners pay $30–$100+/mo — your agent finds the best rate for your exact situation.
No commitment — just helps us narrow down the right carriers.
Your family · Step 3 of 6
Who depends on you financially?
Tap one — we'll move to the next question automatically.
My spouse or partnerWe share the mortgage together
My spouse and kidsFull household depends on my income
Just myselfSingle homeowner protecting my estate
Parents or other familyThey live with me or rely on me
Your concern · Step 4 of 6
What worries you most about not being covered?
Tap one — we'll move you forward automatically.
My family losing the houseThey couldn't keep payments without me
Leaving my partner with the debtThe mortgage would fall entirely on them
Disability stopping my incomeInjury or illness could stop my payments
All of the aboveI want complete peace of mind
Health · Step 5 of 6
Two quick health questions
Tap each one — we'll move forward once both are answered.
Overall health
ExcellentActive lifestyle, no major conditions
GoodMinor issues, mostly healthy
AverageManaging a condition or two
Tobacco or nicotine — last 12 months?
No — non-smokerBest available rates
Yes — tobacco or nicotineCompetitive plans still available
Private — only used to match you with the right carriers.
Last step · Step 6 of 6
Where should we send your matches?
A licensed specialist will call within 24 hours — no pressure, no spam, ever.