Keep your family in the home you built

Your mortgage is probably the largest commitment your family carries. If your income suddenly disappeared, could they keep making that payment? For most families, the honest answer is no — and that's exactly the gap mortgage protection is built to close.

Mortgage protection is a type of life insurance designed around your home loan. If you pass away during the term, the policy pays a benefit your family can use to pay off — or keep paying — the mortgage. They get to stay in the home, grieve without a financial crisis, and keep their lives steady.

Why families choose it

• The house stays in the family. The benefit can pay the mortgage in full, so your loved ones aren't forced to sell or move.
• Return of premium options. Many plans are designed to give you a full return of premium if you outlive the policy — so if nothing happens, you can get your money back.
• Affordable and simple. Coverage is built to fit a household budget, and applying is usually quick.
• Often no medical exam. Many people qualify with just a few health questions.

Is it right for you?

If you own a home with a mortgage and other people depend on you, mortgage protection is worth a look — especially if you're the primary earner. In one short call, I'll show you what coverage would cost for your situation and whether a return-of-premium option fits.