Life insurance sized to your mortgage, so your family keeps the home if something happens to you. Benefits go to your family — not the bank — so they decide how to use it.
Coverage matches your mortgage balance and term, typically 15 or 30 years.
Optional riders can pay if you become disabled or are diagnosed with a critical illness.
Some plans refund premiums if you outlive the term.
Private mortgage insurance (PMI) protects your lender, not you. Mortgage protection life insurance protects your family: the benefit goes to your beneficiaries, who can pay off the loan, keep making payments, or use the money however they need.
Most mortgage protection plans are term life policies sized and timed to your mortgage, often with living-benefit riders added.
Not necessarily. If your existing coverage already covers your mortgage plus other needs, you may be set. Our calculator helps you check.
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