I help homeowners put a plan in place so a death or disability doesn't turn into a foreclosure notice — coverage sized to your mortgage, not a generic policy pulled off a shelf.
I also write standard life insurance and annuities, for anyone whose needs go beyond the mortgage.
Most families' single biggest monthly bill is the mortgage — and most families haven't planned for what happens to that bill if a primary income earner passes away or becomes unable to work.
Mortgage protection is a life insurance policy sized around your loan, so the people you leave behind can pay it off or keep making payments, instead of facing a move on top of everything else.
Three steps, start to finish. No medical exam requirement with several of my carriers, and most applications are decided quickly.
I look at your mortgage balance, term, and household budget, and match you with a policy built around paying that loan off — not a random coverage number.
I compare quotes across my carrier panel and walk you through the application. Most approvals come back within days.
If the policy is ever needed, the payout goes to your beneficiaries — not the bank directly — so they decide how to use it, including paying down the home.
Mortgage protection tends to make the most sense at a few points in life.
You just took on a 15- or 30-year loan. Protection matches the size and length of that commitment from day one.
A second income, a new baby, or a bigger home changes what your family needs to stay financially steady.
No employer group policy to fall back on — this fills that gap directly, on your own terms.
I'm independent, which means I shop your quote across multiple A-rated carriers instead of selling one company's product.
…and several more, depending on your state and health profile.
A quote costs nothing and takes about ten minutes on the phone. Reach out directly — I answer my own calls and emails.