Life Protection Partners
Life Insurance Solutions
50,000+ Homeowners Protected
Protect Your Family’s Home With Mortgage Protection Life Insurance
Get a mortgage protection quote with no medical exam and see what you may qualify for in minutes.
BACKED BY AMERICA'S TOP CARRIERS
We Compare Life Insurance Options From 80+ A-Rated Carriers
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Licensed in 50 States
HOW IT WORKS
Protect Your Family.
Protect Their Home.
Your home is likely your family’s largest commitment. Mortgage protection is life insurance sized to help cover that loan, so the people you love aren’t left carrying the mortgage at the worst possible time.
1. Tell Us About You & Your Mortgage.
Answer a few basic questions about your age, mortgage and coverage needs.
2. We Compare All Your Options.
A licensed insurance professional compares options from highly rated life insurance carriers.
3. You Choose What Works for You.
Review your options and choose the coverage that fits your family and budget.
Here is 60 second look at how this life insurance works
WHY HOMEOWNERS CHOOSE US
Life Insurance Coverage Planned Around Your Home Loan, Your Family, and Your Budget
We match your policy to your mortgage and your budget, then back it with A-rated carriers and licensed agents who pick up the phone.
Coverage Built Around Your Mortgage
Get coverage up to $1,000,000 that pays off what's left on your mortgage. Your family keeps the house, debt-free.
Compare Life Insurance Rates
We compare coverage options from multiple A-rated carriers to help you find a competitive rate for your situation.
Fast Answers, No Waiting Around
Most homeowners hear back instantly or within 24 to 72 hours. No weeks of waiting to find out if you're covered.
Your Family Decides, Not the Bank
The death benefit goes straight to your beneficiaries. They can pay off the mortgage, cover bills, or both. It's their call.
No Medical
Exam Options
Many applicants can qualify without a medical exam. Availability depends on the carrier, coverage amount, age, and health history.
Locked-In Mortgage Life Insurance Protection Rate
Lock in your rate today. It stays the same for your entire term. No surprise increases, no hidden fees.
WHY WAITING COSTS YOU
Life Insurance Typically Costs Less When You're Younger
Age and health are two important factors insurance carriers use when determining your rate. Getting coverage sooner can help you lock in coverage while you're younger and healthier.
The best time to lock in your rate was yesterday. The second best time is right now.
| No medical exam |
Same-day coverage |
Affordable rates |
A-rated carriers |
Free quote |
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| Life Protection Partners | |||||
| Traditional life insurance |
REAL FAMILIES. REAL PROTECTION.
Hear From Homeowners Like You
MORTGAGE LIFE INSURANCE FAQS
Mortgage Protection Insurance & Mortgage Life Insurance Questions, Answered
What is mortgage life insurance?
Mortgage life insurance is a life insurance policy designed to pay off your mortgage if you pass away. The death benefit goes to your family so they can pay off the home loan in full and keep the house, no monthly mortgage payments, no risk of losing the property.
How does life insurance pay off a mortgage?
When you have life insurance to cover your mortgage, your beneficiaries receive a tax-free lump sum if you pass away. They can use that payout to pay off the remaining mortgage balance right away, or cover monthly payments and other living expenses. It's their choice.
Is mortgage protection insurance worth it?
For most homeowners with a mortgage and a family depending on them, yes. It's one of the most affordable ways to make sure your family doesn't lose the home if something happens to you. Rates are locked in, premiums are predictable, and many policies include living benefits for critical, chronic, or terminal illness.
Do I need a medical exam to qualify?
In most cases, no. Most of our A-rated carriers offer no-exam policies where you just answer a few health questions online, and you can be approved in as little as 10 minutes. Higher coverage amounts may require a brief medical review, and our licensed agents will walk you through it.
How much mortgage life insurance do I need?
A simple rule: match your remaining mortgage balance. If you owe $350,000, get at least $350,000 in coverage. Many homeowners add a buffer for property taxes, HOA fees, or a few years of living expenses for their family.
How much does mortgage protection insurance cost?
It depends on your age, health, coverage amount, and term length. We compare quotes from 80+ A-rated carriers to find you the lowest rate. Many homeowners get covered for less than the cost of a streaming subscription.
What is term life insurance for mortgage protection?
It's a policy that lasts a set number of years, usually matched to the length of your mortgage, 15, 20, or 30 years. It's one of the most affordable ways to make sure your mortgage is paid off if something happens to you during the loan term.
What happens if I refinance or pay off my mortgage early?
Your policy stays with you, not the mortgage. If you refinance, move, or pay off your mortgage early, your coverage doesn't change. The death benefit still goes to your beneficiaries, and they decide how to use it.
Who receives the death benefit?
Your designated beneficiaries, typically your spouse or family members. Unlike lender-required mortgage insurance, which pays the bank directly, mortgage protection insurance pays your family, and they decide how to use the funds.
Is mortgage protection insurance better than traditional life insurance for homeowners?
If your main goal is protecting your home, mortgage protection insurance is one of the most focused and effective ways to do it. Traditional life insurance can still make sense if you want coverage for more than just the mortgage.