Keep your family in their home — no matter what.
A term life policy sized to your mortgage. If something happens to you, the policy pays off the home so your family doesn't lose it.
How it works
Mortgage protection is term life insurance — but designed around the one debt that matters most. We match the coverage amount to your loan balance and the policy term to your payoff schedule, so your family is covered exactly as long as they need to be.
- Tax-free benefit paid directly to your beneficiary
- Coverage from $100,000 to $1,000,000+
- Optional living benefits (critical illness, disability)
- Return-of-premium option — get every dollar back if unused
Built around your mortgage
Coverage amount matches your balance. Term length matches your remaining years.
Living benefits included
Many policies pay out early if you're diagnosed with a serious illness — not just at death.
Return of premium option
Outlive the policy? Choose a plan that refunds 100% of premiums paid.
How mortgage protection works
A short, animated walkthrough — how a policy sized to your mortgage keeps your family in their home, plus the living benefits and return-of-premium options.
Coverage amounts, living benefits, and return-of-premium options vary by carrier and policy. Rates are based on age, health, and coverage amount.
Typical monthly rates · 30-year term
| Applicant | $250,000 coverage | $500,000 coverage |
|---|---|---|
| Age 30 | $28 – $42/mo | $48 – $72/mo |
| Age 40 | $45 – $68/mo | $82 – $118/mo |
| Age 50 | $95 – $140/mo | $180 – $260/mo |
Estimates for non-tobacco applicants in preferred health. Rates vary by age, gender, health, and coverage amount.
From Florida families
Trusted at the kitchen table.
"I'd been putting this off for years. Took five minutes and now I know my kids won't have to scramble for funeral costs."
"We just bought our first house. Knowing the mortgage is covered if anything happens to me lets me sleep at night."
"No pressure, no sales pitch. They actually compared carriers in front of me and found one $40/month cheaper."
Protect the roof over their heads.
Get a side-by-side comparison from the carriers we trust most — free and licensed.