Mortgage protection for homeowners
Keep the house
in the family.
If something happened to you, could your family still make the payment? Brad sets up life insurance sized to your mortgage, so the answer is yes.
- Paid to your familyNot to the bank
- No examOn many policies
- Several carriersCompared for you
Run your numbers
What would your family still owe?
Move the sliders to match your loan. That number is roughly what a mortgage protection policy should cover.
Most families carry a mortgage for 20 or 30 years. The payment does not stop if the paycheck does.
Your family would still owe about
$325,826
25 years of payments left, $660,000 in total. A mortgage protection policy for about $325,826 would cover it.
Get quotes for this amountEstimate only. Your lender statement has your exact payoff.
What you get
One policy. Three ways it pays.
Brad compares carriers and builds the policy around your loan, your budget and the people in the house.
If you pass away
Your family gets a lump sum sized to the mortgage. They choose: pay off the house, or keep the payments going and use the rest.
Paid to your family, never the bankIf you get seriously sick
Many policies include living benefits. After a qualifying heart attack, stroke, cancer diagnosis or terminal illness you can draw part of the benefit early.
Keep paying the mortgage while you recoverIf you never use it
Return of premium options refund what you paid if you outlive the term. You were covered the whole time and get the money back.
Available from select carriers
Common mix-up
PMI protects the bank. This protects your family.
Most homeowners already pay for PMI and assume they are covered. They are not.
PMI
Who it pays Your lender
- Pays your lender
- Lender is the beneficiary
- Nothing for illness
- Ends when you refinance
Mortgage protection
Who it pays Your family
- Pays your family
- You choose who gets it
- Living benefit options
- Goes with you if you move
Meet Brad
Your agent, not a call center.
Brad is a licensed life insurance agent who works with homeowners and young families. He shops several carriers, explains what each policy does and does not cover, and helps you pick the one that fits your loan and your budget.
Protect your home, your income and your future.
- Cell
- (559) 978-1886
- NPN
- 2235011
How it works
Three steps. No hard sell.
- 1
Tell Brad about the house
Your balance, how many years are left, and who lives there with you. A short call, no pressure.
- 2
Compare real quotes
Brad shops several carriers and shows you the numbers side by side, including living benefits and return of premium options.
- 3
Get covered
Many policies need no medical exam, and some are approved the same day. Brad stays your agent after it is done.
Straight answers
Questions homeowners ask.
What is mortgage protection insurance?
It is life insurance sized to your mortgage. If you pass away during the term, the policy pays your family a lump sum. They can pay off the house, keep making the payments, or use it for something else. The money goes to the people you name, not to your lender.
Is this the same as the PMI on my loan?
No. PMI protects your lender if you stop paying. It pays your family nothing. Mortgage protection is a policy you own, and it pays the people you choose.
Why am I getting mail about this from my lender?
Mortgages are public record, so new homeowners get a lot of mortgage protection offers. Those letters are from insurance agencies, not from your bank or the government. Brad is an independent agent, and you are never required to buy anything.
Do I need a medical exam?
Often no. Many carriers approve you from a phone interview and a few health questions, sometimes the same day. If an exam would get you a better rate, Brad will tell you and let you choose.
What happens if I get sick but do not pass away?
Many policies include living benefits. After a qualifying critical, chronic or terminal illness you can access part of your death benefit early to cover the mortgage and bills while you recover. Riders and rules differ by carrier.
What does it cost?
It depends on your age, health, tobacco use, the coverage amount and the term. Brad runs your real numbers with several carriers for free and there is no obligation to take any of them.
Are you my lender or a government program?
No. Brad is an independent licensed life insurance agent. He is not your mortgage lender and is not affiliated with any government agency, HUD, FHA, or the VA. If you buy a policy, the insurance company pays him a commission. It does not add to your premium.
Start here
See your real numbers first.
Tell Brad a little about your home and he will come back with quotes from several carriers, side by side.
- Free, with no obligation to buy.
- Many policies need no medical exam.
- Your information is never sold to other agents.
- You talk to Brad directly.