Protect Your Family’s Most Important Investment — Mortgage Protection
Safeguard your home and protect your family’s financial future
No Medical Exams
Payments never increase
Benefits never decrease
Living Benefits (Terminal, Critical, Chronic illness)
Compare prices among the nation’s most trusted insurers.
What is Mortgage Protection?
Protect your family’s home and financial future with affordable coverage.
Mortgage protection insurance is a type of life insurance policy that is designed to pay off a person's mortgage in the event of their death. The policy provides a death benefit to the policy's beneficiaries, which can be used to pay off the outstanding balance on the mortgage.
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Who Needs Mortgage Protection Insurance?
Mortgage Protection Insurance is ideal for homeowners looking to safeguard their family’s future. If something unexpected happens, this coverage ensures your mortgage payments are taken care of, keeping your family secure.
New Homeowners: Protect your investment from day one.
Families with Dependents: Ensure your loved ones won’t face financial hardship.
Single Income Households: Avoid foreclosure in case of income loss.
Those with Health Risks: Coverage may include living benefits for critical illness or disability.
Secure Your Home Today: Book a free consultation to explore your options.
key features of mortgage protection
Mortgage protection insurance helps safeguard your home by covering your mortgage payments if you’re unable to work due to job loss, illness, or other unexpected circumstances.
Some key features of mortgage protection insurance include:
Coverage
This is the full amount your mortgage protection plan would pay off — helping your family stay in the home without worrying about remaining loan payments.
Premiums
Your monthly payment to keep your policy active and ensure your mortgage is protected.
Policy length
Most mortgage protection insurance policies have a set length of time, such as 10, 20, or 30 years, during which the policy is in force.
Riders
Optional add-ons that give extra protection. For example, you can add coverage if you become disabled and can’t work.
Cancellation
You can usually cancel your policy anytime, but some companies may charge a fee.
TESTIMONIALS
Real Clients. Real Guidance. Confident Retirements.
See how individuals just like you are now protected, prepared, and confident — thanks to personalized retirement planning with Loretta Stewart.
Exceptional service and expertise!
"I never imagined how much peace of mind I'd gain from working with Loretta. She helped me map out exactly when I can retire, how much income I'll have, and what adjustments I needed to make. For the first time, I feel confident about my future."
- Barbara M., age 62
My husband and I have income for life!
"Loretta took the time to listen to my concerns about inflation, healthcare costs, and making sure my wife would be protected. She built a plan that makes sense for our lifestyle and goals. We’re excited to enjoy retirement without worrying about money."
- James & Deborah K., recently retired
Highly recommend!
"I was overwhelmed by all the decisions: Social Security, 401(k), Medicare… Loretta simplified everything. Now I know exactly when to retire and how to make my savings last. I never felt pressured — only empowered.
– Karen S., age 59
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Frequently Asked Questions
We understand making decisions about life insurance can feel overwhelming. Here are answers to some common questions to help you make an informed choice.
Question 1: What is mortgage protection insurance?
Mortgage protection insurance (MPI) is a type of life insurance that pays off your mortgage balance if you pass away, become critically ill, or cannot work due to a disability. This protection allows your loved ones to stay in their home, free from the burden of mortgage payments.
Question 2: How is mortgage protection different from regular life insurance?
While traditional life insurance can cover many financial needs, mortgage protection is focused entirely on paying off your home loan — ensuring your family can keep the home you’ve worked so hard for.
Question 3: Can I get mortgage protection if I have health issues?
Yes! Many mortgage protection policies offer simplified underwriting or guaranteed acceptance options, making it easier to qualify even with pre-existing health conditions. Some plans don’t require a medical exam, making coverage accessible for most families.
Question 4: What happens if I sell my home or pay off my mortgage?
If you sell your home or pay off the mortgage, your policy can often be adjusted to cover other financial needs, or you may choose to convert it into a different type of life insurance policy. We’ll guide you through the options.
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