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Life Insurance for Homeowners
A mortgage is most households' largest commitment. If something happened to you, life insurance can help your family keep the home rather than face a difficult decision at a difficult time.
What this often looks like
- A mortgage balance and monthly payment tied to household income
- A desire to keep the family in the home
- Possibly other debts alongside the mortgage
Worth thinking about
Size coverage to the loan — and beyond
You can align coverage to your mortgage balance and term, and consider adding for other needs so your family has flexibility.
The benefit goes to your family
Unlike private mortgage insurance, which protects the lender, personally owned coverage pays your beneficiary, who decides how to use it.
Revisit after refinancing
If you refinance or move, it is worth reviewing coverage so it still fits.
Where people often start
Frequently asked questions
Is this the same as PMI?
No. Private mortgage insurance protects the lender if you default. Mortgage protection life insurance pays your family a benefit they control.
Should coverage match my exact mortgage balance?
It can, but many homeowners choose level coverage so any amount left after the mortgage helps with other costs. We can compare approaches with you.
Let's talk about your situation
Every family and business is different. Tell us what you're navigating and we'll help you understand the options that may fit.