If you were gone tomorrow, could your family still pay the mortgage? We size a policy to your loan so they keep the home.
Illustrative sample only. Actual premiums and approval depend on the carrier, your age, health, coverage and state.
Mortgage protection insurance is a life insurance policy sized to cover your home loan. If you die during the term, it pays a tax-free benefit your family can use to pay off the mortgage and stay in the house. Unlike coverage sold through a lender, the money goes to your beneficiary, who decides how to use it.
Your mortgage does not pause when your paycheck stops. This coverage makes sure the house is not the thing your family loses.
The benefit is sized to your loan, so your family can clear the balance and keep the roof over their heads.
The payout goes to the beneficiary you name. They choose how to use it, whether that is the mortgage, bills or both.
Choose a level term policy and your payment stays the same for the whole term. No surprises as you age.
Many policies let you access part of the benefit early if you face a qualifying terminal, chronic or critical illness.
Many homeowners qualify for no-exam coverage and can be approved quickly, with just a few health questions.
Because it is your own life policy, the coverage is not tied to the loan. Refinance or move and it comes with you.
Each fits a different budget and goal. A specialist helps you match one to your loan and your family.
The benefit stays level for the whole term and the premium never changes. The straightforward way to cover a mortgage.
Outlive the term and eligible policies can refund the premiums you paid, so the coverage costs you nothing in the end.
Add riders that let you access part of the benefit early for a qualifying critical, chronic or terminal illness.
No obligation, and no jargon. Just a clear plan to protect the home.
Tell us your balance, the years left and a little about your health so we can size the coverage right.
A specialist compares level, return-of-premium and living-benefit policies from A-rated carriers side by side.
Choose the policy that fits your budget, and put a plan in place that keeps your family in the home.
Sample testimonials shown for template design purposes.
"We just bought our first house. Knowing my wife could keep it if anything happened to me let me finally stop worrying."
"They explained that the money goes to my family, not the lender. No exam, and my premium is locked for the whole term."
"We chose return of premium. If we never use it, we get our money back. That made the decision easy for us."
It is a life insurance policy sized to cover your mortgage. If you pass away during the term, it pays a tax-free benefit your family can use to pay off the home loan and stay in the house. A level term policy keeps both the benefit and the premium the same for the whole term.
With a policy like this, the benefit goes to the beneficiary you name, usually your spouse or family, not the lender. They decide how to use it. That is a key difference from some lender-sold coverage that pays the mortgage company directly and shrinks as your loan balance falls.
Often no. Many homeowners qualify for no-exam coverage and answer only a few health questions. Depending on your age, coverage amount and health, some options can be approved quickly without a paramedical visit.
Because this is your own life insurance policy, it is not attached to the loan. If you refinance, sell or move, the coverage stays in force and comes with you. You would only need new coverage if you want to increase the amount for a larger mortgage.
It depends on your coverage amount, age, the term length and your health. Many homeowners are surprised how affordable level term protection can be. A specialist can run real, current numbers from A-rated carriers so you see an exact quote.
Get a personalized, no-obligation mortgage protection quote from a licensed specialist. It starts with a simple conversation.
In a real launch, a licensed Hearthstone specialist would email your personalized, no-obligation mortgage protection quote within one business day. This preview does not store or send any information.