Skip to main content
Not your lender · Not a government program
LifePolicies-Help
Mon–Fri, 9:00am–5:00pm ET Call(833) 214-7788

Mortgage protection life insurance

Protect Your Home. Protect Your Family.

Life insurance designed to help your family handle the mortgage if something happens to you.

Call a Licensed Agent (833) 214-7788 See My Coverage Options A few quick questions
  • No obligation
  • Multiple coverage options
  • Licensed insurance professionals

Licensed agents answer Mon–Fri, 9:00am–5:00pm ET

Illustration · $300,000 loan at 6.5% fixed

Level term coverage$300,000 for all 30 years

Left for your familyafter the loan is paid off

Still owedthe mortgage balance

Year 0 10 20 30
How it works

It's term life insurance, sized to your mortgage.

Coverage is set to your balance and the years left on the loan. If you die during the term, the benefit is paid to the people you name — not to the lender — and they decide what to do with it: pay off the house, or keep making the payments.

Still owed
$254,328
Level coverage
$300,000
Left for your family
$45,672

After 10 years of payments, $254,328 is still owed — 85% of the original loan. A $300,000 level policy would clear it and leave $45,672.

An illustration, not a quote: one loan at one rate, with no premiums shown. Your balance, rate and coverage will differ, and a licensed agent works from your numbers.

Independent — we compare carriers, not one product line
Licensed in all states except New York
Not affiliated with any lender or government agency
Transamerica
Mutual of Omaha
Americo
Liberty Bankers
Royal Neighbors of America
American Home Life

Carriers our agents can place business with. Products and availability vary by state.

What a licensed agent does on the call.

Call a licensed agent
01
Starts from your loan
Your balance and the years left on it, so coverage is sized to the mortgage you actually have — not a round number.
02
Compares level and decreasing
Decreasing coverage costs less because it covers less. Where both are available, you see both before you choose.
03
Checks both incomes
If the payment couldn't be made on one income, coverage on both earners is worth pricing.
04
Tells you if you don't need it
If coverage you already have would clear the balance, the agent will say so. No obligation.

Three kinds of “mortgage insurance.” Only one pays your family.

01 — Compare
Required on some loans

PMI and FHA mortgage insurance

Protects the lender if a loan goes unpaid. It isn't life insurance, and it pays nothing to your family.

ProtectsThe lender
Paid toThe lender
Pays your familyNo
Offered at closing or by the lender

Credit life insurance

Pays the lender directly if you die, and the benefit usually shrinks as the balance falls. It typically ends if you refinance or pay off the loan.

ProtectsThe loan
Paid toThe lender
Follows youUsually not
Individually underwritten

Mortgage protection (term life)

A term life policy on you, sized to your mortgage. It's paid to the people you name, and it stays with you if you refinance, sell or move.

ProtectsYour family
Paid toYour beneficiaries
Follows youYes — it's on you, not the loan

General descriptions. Your loan documents and each policy's own terms control.

02 — What happens to the house

The bank doesn't take the house. The payment keeps coming.

What your family inherits is the loan — not the income that was paying it.

A father sitting on the grass by a lake, watching his young son hold up a wooden toy plane.
01
The loan carries on
Federal law generally lets a spouse or child who inherits the home keep the existing loan. The monthly payments carry on with it.
02
Help from a lender is usually a delay
Forbearance can pause payments for a while, but paused payments are still owed later.
03
A death benefit gives your family choices
Pay off the balance, keep making the payments, or sell on their own schedule. Their decision — not the lender's.
Call a licensed agent
03 — Questions

The things people ask before they call.

No. PMI — and the mortgage insurance on FHA loans — protects the lender if a loan goes unpaid. It isn't life insurance and pays nothing to your family. Mortgage protection is term life insurance on you, paid to the people you name.

Talk to a licensed agent
Orlando, Florida · Licensed in all states except New York
Monday – FridayMon–Fri, 9:00am–5:00pm ET
SaturdayClosed
SundayClosed
(833) 214-7788
No obligation · no lead resale

See what it would take to cover your mortgage.

Call a licensed agent to compare coverage for your balance and the years left on your loan. If you don't need it, we'll tell you.

No obligation · Not your lender · Mon–Fri, 9am–5pm ET
Call (833) 214-7788 See my coverage options

LifePolicies-Help is a brand of Tomorrow Life, Inc., an independent insurance agency. We are not an insurance company, not your mortgage lender or servicer, and not affiliated with any lender, government agency or government program.

“Mortgage protection” here means individual term life insurance sized to a mortgage. It is optional and is not required to get or keep a mortgage. The death benefit is paid to the beneficiaries you name, who decide how to use it.

Coverage is issued by third-party insurance carriers and is subject to underwriting, policy terms, exclusions and state availability. No rate, premium or approval is guaranteed. The loan figures on this page illustrate a $300,000, 30-year fixed loan at 6.5%; they are not a quote or an offer of coverage.

This is an advertisement for insurance. If you send a request, a licensed insurance agent may contact you. See our Privacy Policy, Terms of Use and licensing disclosures.

See options Call now
See my coverage options

A few questions about your mortgage.

Seven short steps. Contact details come last, and a licensed agent compares options with you on the call.

Step 1 of 7

About how much is left on your mortgage?

A rough number from your last statement is fine — the balance, not the price you paid.

How many years are left on the loan?

Go by the payoff date. A refinance restarts the clock.

Whose income makes the mortgage payment?

If the payment couldn't be made on the income left behind, more than one person may need coverage.

What is your age range?

Age is one of the biggest factors in what coverage costs.

When would you like coverage in place?

There's no deadline. This only helps the agent prepare for your call.

What state do you live in?

Agents and products are licensed state by state. We cannot assist New York residents.

Where should the agent reach you?

Your answers go to one licensed agent, who reviews them before calling.

In your local time. Agents call Mon–Fri, 9:00am–5:00pm ET.

In short: you are allowing a licensed agent to call or text about your request. Reply STOP any time. You can skip this consent and call (833) 214-7788 instead.

Submitting does not buy coverage or obligate you to apply.

Prefer to talk now? (833) 214-7788 · Mon–Fri, 9:00am–5:00pm ET