Coverage · Mortgage Protection
Coverage designed to help protect your home and the people who depend on you from the financial impact of an unexpected death.
How it works
Mortgage protection is life insurance built around your mortgage. If you pass away, the death benefit goes to your loved ones, who can use it to pay off the home or keep up with payments.
Unlike some lender-offered policies, the benefit is paid to your family — not the bank — so they decide how to use it. Some policies may also include optional riders for things like critical illness or disability, depending on the carrier.
May be a good fit if
You just bought a home and want to make sure your family can stay in it.
Your family relies on one paycheck to cover the mortgage.
You want your kids to keep their home, school, and community if the unexpected happens.
Common questions
Your chosen beneficiaries — usually your family. They can use it for the mortgage or any other needs.
No. Private mortgage insurance (PMI) protects the lender. Mortgage protection life insurance is designed to protect your family.
Not always. Some carriers offer simplified or accelerated underwriting, and qualifying applicants may be approved without an exam.
Coverage availability, policy features, riders, and premiums vary based on individual circumstances and insurance carrier. Applications are subject to underwriting and carrier approval.
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