Make sure your family can stay in the home you worked so hard for.
Answer a few quick questions to see what coverage options your family may qualify for. It takes about 60 seconds. It's free, and you don't have to buy anything.
Optional. Not from your lender or the government.
Do you have a mortgage on your home?
Quick yes or no to start.
No medical exam. No paperwork. We don't ask for contact info until the last step.
Three simple steps. About one minute.
Answer a few quick questions
Tell us about your home and your family. No medical exam. No paperwork.
See where you stand
Find out what your family might need if something happens to you. See the kinds of plans you may qualify for.
Talk to a licensed agent, only if you want
They reach out the way you choose: text, email or a call. No pressure. You decide.
What this protects
Your family keeps the home
If something happens to you, the money goes to your family, not the bank. They can keep making the payment. The kids can stay in the same house and the same school.
Help if a serious illness stops your paycheck
A heart attack or cancer can stop your income without ending your life. Some plans include living benefits. That means money you can use if you get seriously sick and can't work.
No more guessing about what you have
PMI protects your lender. It pays your family nothing. Work life insurance often pays one or two years of salary, and it can end when you leave the job. Find out where the gap is in about a minute.
Frequently Asked Questions
Is this from my lender or the government?
No. Mortgage & Family Coverage helps homeowners understand their options and connects them with a licensed agent. We are not your lender, the government or an insurance company. This is optional.
Will my phone start ringing nonstop?
A licensed agent will reach out by text, email or call. You can tell them anytime that you're not interested.
Doesn't my PMI already cover this?
No. PMI protects your lender if you stop paying. It does not pay your family anything.
I have life insurance through work. Isn't that enough?
Maybe not. Many work policies pay one or two years of salary. Many end when you leave the job. Compare that to your mortgage balance. The quiz helps you see the gap.
Do I need a medical exam?
Not to use this check. Many families qualify for coverage with no medical exam, just health questions. Some plans may still need one. Your agent will tell you up front.
How much does it cost?
It depends on your age, health and how much coverage you want. Checking your options is free. A licensed agent can help match a plan to your budget.
What if the insurance company won't pay?
That's a fair worry. With many private plans, your health is reviewed before you're approved, not after a claim. Ask your agent how the plan works and how the company is rated.
What if I never use it? Isn't that wasted money?
Some plans include living benefits you can use if you get seriously sick. Some plans can return your premiums if you never make a claim. These cost more and have conditions. Your agent can explain each one.
What happens after I finish the questions?
You'll see your results. If you want help, a licensed agent reaches out the way you chose. You don't have to buy anything. You can stop at any time.
Why check now instead of later?
There's no deadline. But prices are based on your age and health today. Checking now just shows you where you stand.
You protected the house. Now protect the people in it.
Take 60 seconds to see if your family could stay in the home if something happens to you. It's free. There's no obligation. And you decide if you want to talk to anyone.
Optional. Not from your lender or the government.