Protect Your Family’s Home With Affordable Mortgage Protection

If something unexpected happens, mortgage protection ensures your loved ones can remain in the home — without financial stress or the risk of foreclosure.

Why Mortgage Protection Matters

Mortgage protection helps ensure your family can keep the home if something unexpected happens. It covers the mortgage if you pass away or face a qualifying illness or disability — protecting the equity you’ve built and giving your loved ones a secure place to live.

✔ Protects your family’s home

✔ Living benefits during illness or disability

✔ Safeguards the equity you’ve already invested

✔ Fast approval — no medical exam needed

Get a Quote

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Explore Our Mortgage Protection Solutions

Protecting your home, your equity, and your family’s financial stability.

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Mortgage Payoff Protection

Mortgage Protection Insurance that pays off or pays down your mortgage if you pass away unexpectedly — ensuring your family keeps the home and the equity you’ve built.

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Living Benefits for Illness or Disability

If you become critically ill or disabled and your income drops, living benefits can provide an early payout — helping keep the mortgage current during the toughest times.

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Income Replacement for Home Expenses

Coverage that protects your home by replacing lost income due to covered illness, injury, or death — giving your loved ones time, stability, and a place to stay.

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Equity Protection & Financial Cushion

Mortgage protection ensures the home doesn’t go into foreclosure, so your loved ones keep the equity you’ve worked hard to build — providing a financial cushion when they need it most.

Testimonials

Jasmine Richards

Branded Insurance Group made the mortgage protection process super simple. I had no idea how affordable it was to protect my home. Now I know my kids won’t ever have to worry about losing the house if something happened to me. Huge relief.

Monica Chandler

“I’m so glad I signed up. They walked me through how the living benefits work and how it would help cover the mortgage if I ever got sick or couldn’t work. I didn’t realize coverage like this even existed. Highly recommend!

Thomas Krazinski

Fast, professional, and straightforward. They helped me lock in a policy that protects the equity I’ve built in my home. Knowing my family would have time and stability if something happened gives me real peace of mind.

FAQs

Your Questions Answered — Understanding Your Life Insurance Options.

What is Mortgage Protection Insurance?

We focus on personalized solutions and clear, understandable communication tailored to each client's needs.

How does Mortgage Protection work?

If something happens to you, the policy pays a lump sum or monthly benefit that can be used to pay off the mortgage or keep payments current so your family has time to make decisions—not rushed ones.

How much coverage do I need?

Most families choose coverage equal to their remaining mortgage balance or 6–24 months of payments. I’ll help you calculate exactly what amount fits your mortgage and your goals.

We offer life insurance solutions for a wide range of age groups. Certain policy types may vary depending on age and health factors.

Do I have to take a medical exam?

Many mortgage protection policies require no medical exam and only a few health questions. Approval is quick, and most people qualify the same day.

Is this the same as PMI?

No. PMI protects the bank—not your family.

Mortgage protection life insurance protects YOUR family, ensuring they can stay in the home.

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What happens if I miss a premium payment?

Most carriers offer a grace period and opportunities to reinstate the policy. Each carrier is slightly different, but you’re not immediately canceled for one missed payment.

Can I change or increase my coverage later?

Yes — many policies allow increases or adjustments as your mortgage changes. If you refinance or move, you can update coverage anytime.

Will my premiums increase over time?

Most mortgage protection plans have fixed premiums, meaning your monthly payment never increases for the life of the policy.

How quickly does coverage start?

In most cases, coverage begins immediately upon approval, which can be same-day.

What if I already have life insurance?

Many families have a policy that doesn’t fully cover the mortgage or expires early. During our call, I’ll review your existing policy for free and check whether your home is already fully protected.