Resources
Mortgage Protection Guide
You Own the Policy
Unlike bank insurance, your coverage stays with you even if you switch lenders or move homes.
Fixed Benefits
Bank coverage decreases as your mortgage goes down. My protection stays the same, giving your family more.
Family First
Your beneficiaries decide how to use the funds—mortgage, bills, or education—not the lender.
A Broker's Perspective
"Most homeowners don't realize that bank mortgage insurance is a 'declining' benefit. You pay the same premium every month, but your coverage gets smaller as you pay down your debt. Independent Term life insurance gives you a fixed benefit that never decreases, ensuring your family receives the full value of the policy, regardless of the mortgage balance."