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Mortgage protection pays your home off or makes the monthly payment to protect your home and equity if you should unexpectedly die or become sick or injured.
No one ever expects things will happen to them but life does happen. Unfortunately, we don’t have a crystal ball. The risk are real and mortgage protection life insurance can protect your home and family should life happen
Many of our top-rated carriers include living benefits at no additional cost. Living benefits allow you to use a portion or all of your policy death benefit If you experience a qualifying life event such as terminal, chronic, or critical illness, or critical injury.
There are no restrictions on what the benefit can be used for providing you and your family the flexibility to take care of what is important to you.
Examples of what the benefit can be used for:
Each carrier has different parameters on what qualifies as a qualifying event. Here are some of the common critical illnesses & critical injuries.
Terminal Illness
If you are diagnosed with terminal illness that will result in death within 24 months certifiied by a physician.
Chronic Illness
If you are not a able to perform two of the six ADL (activities of daily living) for a period of 90 consective days or you are cognitively impaired.
Activities of Daily Living
Critical Injury
Critical Illness
The information listed on this website is for informational purposes only. Each carrier and state have different guidelines on what riders are available and the percentage that can be accelerated. It’s important to discuss your policy with the carrier or a licensed agent for information that is specific to you and your state.