Protect your largest investment with
Mortgage Protection.

We make insurance simple, affordable and pain free, so that you can get back to the moments that matter most.

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What type of coverage are you needing?

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How Much Coverage Amount?

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Great, seems like we have plenty of coverage options for you! Be sure to select the "View Options" button below to learn more about my burial coverage options.

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Eligible Ages
18-60
YEARS OLD
Coverage Amounts
$100k-$1.5million
DOLLARS
Term Lengths
10-40
YEARS

The right coverage at the right price.

Rates shown based on a healthy, non-smoking, 35-yr old woman.

10 yr

Starting at

$11.90

A MONTH
Up to

$500k

COVERAGE
See My Rate

20 yr

Starting at

$17.85

A MONTH
Up to

$500k

COVERAGE
See My Rate

30 yr

Starting at

$30.18

A MONTH
Up to

$500k

COVERAGE
See My Rate
Quote reflected is an example. Your actual premium will be determined by underwriting review.

With over 30+ options, we are backed by giants.

How Mortgage Protection can help provide real solutions.

Los Angeles - Startflow Webflow Template

Disability Protection

Mortgage protection can shield a family from the financial impact of disability by covering mortgage payments in the event of the policyholder's inability to work due to disability, helping to prevent the risk of home foreclosure.
San Francisco - Startflow Webflow Template

Critical Illness

Mortgage protection can shield a family from the financial impact of a critical illness by providing a lump sum payout to cover medical expenses and mortgage payments during such a challenging time.
New York - Startflow Webflow Template

Death Benefit

Mortgage protection insurance can help a family keep their home by ensuring that the remaining mortgage balance is paid off in the event of the policyholder's early death, preventing the risk of foreclosure and providing financial stability for the family

What type of life insurance is right for me?

Mortgage protection insurance is a term policy designed to pay off your mortgage balance in the event of your death, ensuring that your family can keep the home. In contrast, final expense insurance provides a smaller death benefit intended to cover end-of-life expenses, such as funeral and burial costs, offering a more focused financial safety net for your loved ones.

Term life insurance

Term policies last for a preset amount of time, usually in increments of 10, 15, 20, or 30 years. Unlike final expense, the death benefit is only payable during the years the term is active. After the term ends, you no longer has coverage and will have to renew or apply for a new policy.
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The price for a term policy is considerably less than final expense, this allows you to get the most amount of coverage for the lowest cost. Because these policies can be much larger, the underwriting requirements are pretty rigid and it is tougher to get approved as you get older.
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A term policy may make sense for you if:

  • You are able to choose the length of your term and the amount of coverage that would be paid out to your beneficiaries if you die before your term ends. If you die after your term ends, no death benefit is paid. It’s that simple.
  • You want the most amount of coverage for the lowest cost.
  • Currently have large debts that you need to take care of for your family like a mortgage.
  • You are in good health and can qualify easily.

Real-world example: Sarah is a married, 35-year-old mother of 2 young children. She’s the primary breadwinner for her home, and she wants to ensure that her children will still be able to attend college in the event of her untimely death. For Sarah, a term policy makes the most sense. By structuring the term length around the time her children expect to make it through school, she can protect her children's educational future.

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Frequently Asked Questions
Surrounding Mortgage Protection

01

What does mortgage protection insurance cover?

Your beneficiary can use the death benefit for anything, but it’s typically used to help make mortgage payments on the home as well as income replacement.

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What if I can't afford to cover my entire mortgage?

We get creative! There are many ways to design a policy with features that can help make up the difference if covering the entire mortgage would be a financial strain. At Blaeos, we specialize in just that! We will find a solution that best fits your needs and your budget.

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Is mortgage protection insurance the same as homeowners insurance?

No, they are different types of insurance. Homeowners insurance covers damage to your home and belongings due to events like fire, theft, or natural disasters, while mortgage protection insurance covers the mortgage balance in the event of the policyholder's death.

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Are there age restrictions for purchasing mortgage protection insurance?

Age eligibility for mortgage protection insurance can vary by insurance providers, but it's generally available to individuals between the ages of 18 and 65.

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What happens to the mortgage protection policy if I sell my home or refinance my mortgage?

In many cases, you can transfer the policy to a new mortgage or adjust the coverage amount if you refinance or sell your home. Be sure to check with your insurance provider for specific details.

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Can I add disability or critical illness coverage to my mortgage protection policy?

Some mortgage protection policies offer the option to add disability or critical illness coverage. These additional features can help cover mortgage payments in case of disability or a serious illness diagnosis.

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Is mortgage protection insurance the same as private mortgage insurance (PMI)?

No, mortgage protection insurance is different from private mortgage insurance (PMI). PMI is a requirement for some home loans to protect the lender in case of default, while MPI protects the homeowner's family in the event of the homeowner's death.

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Can I have both mortgage protection insurance and whole life insurance?

Yes, many people choose to have both types of insurance. Mortgage protection insurance can cover the mortgage specifically, while a whole life policy offers more comprehensive coverage for various financial needs later in life after your mortgage would be paid off.

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Will premiums for mortgage protection be higher for a smoker?

Rates for smokers are usually 30% higher than a non-tobacco rate. Tobacco rates are higher no matter what type of life insurance you take out. The older you are, the higher your tobacco rate will be.

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