Mortgage Protection Insurance
If something happens to you, the mortgage doesn't stop. Mortgage protection is a simple term life policy sized to pay off your home — so the people you love can stay in the place you built together, mortgage-free. Often for a low fixed monthly rate, with many plans requiring no medical exam.
Texting opens your message app to (213) 257-0600 with a note ready to send. No forms, no phone tag, no obligation.
Why homeowners choose us
A benefit sized to your mortgage means the loan can be paid off in full — no forced sale, no moving trucks, no uprooting the kids during the hardest year of their lives.
The payout goes to the people you love, not the bank. They decide what to handle first — the mortgage, the bills, the funeral — so they have room to breathe.
Many homeowners qualify for a low fixed monthly premium, and the rate stays level for the full term — no surprise increases as you get older. Subject to underwriting and approval.
Many plans approve on a few health questions alone — no needles, no clinic visit. We’ll tell you upfront which options skip the exam.
Instead of filling out the same info on ten different sites, a licensed agent compares A-rated carriers for you and texts back a few clear options.
Some plans can add return-of-premium or living benefits that pay out early for a qualifying terminal or critical illness. Ask us what’s available in your state.
How it works
Tap any button on this page and your phone opens a text with a friendly message ready to send. Add your age and roughly what’s left on your mortgage — that’s enough to start.
A licensed agent asks a couple of quick questions by text, then compares mortgage protection plans from top-rated carriers to fit your home and your budget.
We text back a short list of options in plain language. Pick one, ask questions, or think it over. There’s never any obligation and never a pushy sales call.
Nobody likes to picture it. But imagine your family a year from now without you. The grief is unavoidable. Losing the home on top of it shouldn't be.
Mortgage protection exists for that exact moment — a term life policy sized to your mortgage, so the loan can be paid off and your family can stay put: the same beds, the same school district, the same neighborhood where their memories live.
Setting it up is easier and often more affordable than people fear. One short text is all it takes to see what you qualify for, with zero pressure to move forward until it feels right.
Common questions
It’s a term life insurance policy sized to your mortgage. If you pass away during the term, it pays a benefit your family can use to pay off the home and stay in it. It’s life insurance — not a bank product, not a lender program, and not PMI.
No. PMI protects the lender if you stop paying — it does nothing for your family. This is life insurance that pays your loved ones (your beneficiaries), and they choose how to use it, including paying off the mortgage and keeping the house. We’re not affiliated with your lender or mortgage company.
It depends on your age, health, coverage amount, and term, but it’s often more affordable than homeowners expect — many qualify for a low fixed monthly rate that stays locked for the full term. Text us your basics and a licensed agent will send back real numbers. Final rates are subject to carrier underwriting and approval.
Often, no. Many plans approve based on a few health questions with no exam required. We’ll tell you upfront which no-exam options you qualify for. Coverage and rates are subject to underwriting and approval.
That’s right. There’s no online form and no required phone call. You text us, a licensed agent asks a few quick questions by text, and you get options back the same way. If you’d ever rather talk, we can — but only if you want to.
Still worth a text. Carriers weigh health differently, and some plans need little or no exam. If you already have coverage, we can help you see whether it actually covers your mortgage. Eligibility is subject to underwriting and approval.
You can't stop the hard days from coming. You can make sure that when they do, your family gets to grieve at home — not pack it up. It starts with a single text.