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Frequently Asked Questions

Common Questions Answered for your convenience.

What is mortgage protection insurance?

Mortgage protection insurance is a type of life insurance that helps pay off your home loan if you pass away or become seriously ill. It’s designed to protect your family from losing the home during tough times.

Is mortgage protection the same as homeowners insurance?

No — homeowners insurance covers property damage (like fires or storms). Mortgage protection covers you, making sure the mortgage gets paid if you die, become disabled, or get critically ill.

Who needs mortgage protection?

Anyone with a mortgage who wants to make sure their loved ones aren’t left with the debt. It’s especially important if you're married, have kids, or just bought a home.

How quickly can I get covered?

Most people are able to get coverage the same day they apply. We can help you get a free quote in minutes and guide you through the whole process.

Do I need a medical exam?

Not always. Many plans are no-medical-exam and use a short health questionnaire instead. It’s quick, simple, and takes just minutes to see your options..

What happens if I refinance or sell my house?

Great question. Most policies are flexible — your coverage stays with you even if you move or refinance. We’ll walk you through all your options.