What Happens to Your Home If Something Happens to You?

Your mortgage protection plan protects you, not just the home—meaning it stays with you even if you move. When you buy a new home, you can adjust your coverage or take out an additional policy to cover the difference, ensuring your family stays protected no matter where you live.

Every plan is tailored to your unique situation. Factors like health, coverage amount, income, and provider options all impact your rate. Instead of a one-size-fits-all price, we find the best coverage at the most affordable rate for you. That’s why a quick quote is the best way to see what you qualify for!

We’re independent brokers, not captive agents tied to one company. Captive agents push a single provider’s product, prioritizing the company’s interests. As brokers, we work for you, comparing top-rated insurance companies to find the best price and coverage for your unique situation. We take the time to understand your needs, research all available options, and present you with the best fit. Ensuring you get the most value for your money.

If affording insurance is tough now, how would you afford your mortgage if illness or disability prevented you from working? And how would your loved ones manage if you passed away?

Our goal isn’t to add financial stress, it’s to relieve it by ensuring your family is protected. Many homeowners build coverage over time, starting with what’s affordable. Even a small policy can buy your family 6 months to sell the home and keep its equity instead of losing everything. You can always add more coverage later, but waiting only makes it more expensive. Lock in what you can now while rates are low!

Mortgage Protection Insurance, or, an Indexed Universal Life (IUL) policy doesn’t just protect your home, it also builds cash value over time. For 20-25 years, a portion of your premium grows in a tax-advantaged account. Unlike traditional insurance where you pay in and get nothing back if you don’t use it, an IUL allows you to access that money later.

Most homeowners use this cash value to pay down their mortgage 5-10 years early, saving thousands in interest. It’s like a built-in savings plan that not only protects your family but also helps you become mortgage-free faster!

When you get a policy, you have 30 days to review it risk-free. This is called the Free Look Period, and it’s required by law. During this time, you can read through your policy, ask questions, and ensure it’s exactly what you want. If you decide it’s not the right fit, you can cancel for a full refund—no penalties, no obligation.

This means there’s zero risk in making a decision today. You can secure coverage now, lock in lower rates, and take your time reviewing everything. If for any reason it’s not right, you can cancel within 30 days with no cost to you. Your peace of mind matters most!

Term life insurance is an affordable way to get a large amount of coverage for a set period, usually 10-30 years. It’s ideal for protecting your family while paying off a mortgage or raising kids, but once the term ends, renewing becomes very expensive, and there’s no cash value or living benefits if you become ill or disabled.

Whole life and Indexed Universal Life (IUL) policies last a lifetime, with fixed premiums and cash value that can be used while you're alive. Though they cost more per month, they provide long-term security.

Many people, that can afford it, choose both. Term for high coverage now and whole life for lifelong protection. Locking in coverage while young secures lower rates before age or health changes make it harder to qualify.

We can show you both options and, if you’d like, help set you up with a term policy for maximum coverage and an IUL or whole life policy for long-term stability, all within your budget.