Protect Your Home and Family.
See if you qualify for mortgage protection in minutes.
- Living Benefits Included (Cancer, Stroke, Heart Attack)
- No Medical Exam Options Available
Private mortgage protection insurance that pays directly to your family or pays off your loan if serious illness, disability, or death occurs.
Cash benefits paid while you are alive if diagnosed with critical, chronic, or terminal illness.
How it works
Three simple steps to secure your home.
- 1
Enter your ZIP
Carrier rules and state-approved living benefit options vary by location. We check your state's programs first.
- 2
Answer 7 quick questions
Takes 60 seconds. One tap answers about your mortgage balance, payment range, age, and beneficiary.
- 3
Get your personalized breakdown
Review your qualified rate options with living benefits. No pressure, no obligations, 100% free.
Worth knowing
Of all U.S. bankruptcies are tied to medical illness
Even homeowners with good health insurance lose their homes when income stops during critical illness recovery.
Living Benefits included in approved modern plans
Traditional life insurance only pays upon death. Modern mortgage protection allows you to access cash while living.
Private mortgage protection is owned by YOU — not your bank or lender. You choose who receives the money and how the home is saved.
What your review covers
- Mortgage Payoff ProtectionPays a lump sum to eliminate the remaining mortgage balance for your family.
- Living Benefits Built-InCash benefits for cancer, heart attack, stroke, ALS, and chronic disability.
- Independent OwnershipRefinancing or switching lenders never cancels or alters your coverage terms.
Frequently Asked Questions
How is this different from lender PMI or bank life insurance?
PMI (Private Mortgage Insurance) protects the lender if you default—it pays zero dollars to your family. Bank-sold insurance pays the bank directly and decreases over time. A private Mortgage Protection Plan pays cash directly to your family or beneficiaries with living benefits included.
What are Living Benefits and how do they work?
Living benefits allow you to advance up to 100% of your death benefit tax-free while you are alive if you suffer a qualifying critical illness (such as cancer, heart attack, or stroke), chronic disability, or terminal illness to pay your mortgage or medical bills.
Do I need to undergo a medical exam or blood draw?
Most applicants qualify for simplified issue non-medical plans without blood draws or doctor visits. Your advocate will compare accelerated underwriting carriers based on your age and health answers.
What happens if I sell my home or refinance later?
Because this policy is owned directly by you, refinancing, paying off your loan, or moving to a new home does not cancel it. The coverage remains in full force at your locked-in rate.
Ready to protect your family's home?
Takes about 60 seconds. Start with your ZIP code to view eligible programs.