Mortgage Protection insurance is more than just a policy to pay off the balance of your mortgage if you or your spouse pass away. Mortgage Protection is a complete package of coverages designed to ensure that whatever happens to you, you'll be able to stay in your home and not end up broke. Of course, if you or your spouse dies, the policy pays you the money which you can use to pay off your mortgage. If you're hurt working around your house or you're in an automobile accident and can't work for awhile, your Mortgage Protection coverage can provide disability benefits (if you qualify) to provide you with cash while you can't work to ensure that your mortgage payments continue to be paid. You don't have to worry about losing your house while you're recuperating. Further, it is possible to have unemployment coverage as well (if available in your state), so that if you lose your job, your premiums will be paid for up to 6 months. And that money will come in to you, not your mortgage company, so you have control over your money. Remember, these Mortgage Protection policies are designed to help you, not some huge, bureaucratic loan company. That's a good thing!

If the protections already described were all there is to Mortgage Protection, it would obviously be better for you than just a simple term life policy, but there's even more available to you. There's something called "Waiver of Premium" which allows you to skip paying your insurance premiums for a while as you deal with whatever caused your disability claim. So not only can you receive money, you'll be able to save money too! But probably the most remarkable feature available on our Mortgage Protection is the Return of Premium provision (if available in your state). If you'd like, you can arrange to have most if not all of the money you've paid over the years returned to you at the end of your policy term in one wonderful, tax-free lump sum! That's money you can put straight into a retirement plan or just spend on yourself because you deserve it!

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Disability Protection

In addition to the peace of mind you receive knowing that your family is provided for if the worst happens, you'll also rest a little easier knowing that you're covered for up to two years in the case of disability. If you or any covered member of your family is disabled in a covered accident the disability coverage will provide cash payments to you to pay your mortgage. These payments will be made in addition to any other disability or critical illness payments you may be receiving.

Help yourself before you need help, put a Mortgage Protection plan to work for you !

Unemployment Protection

We've seen that our Mortgage Protection plans can provide for you and your family if you pass on or if you become disabled. Now certainly that's comforting, but it doesn't account for what's probably the most likely malady to befall you - unemployment. You can easily cover yourself with a benefit that will pay your policy premiums up to six months and keep all your coverages in force while you look for new employment. The alternative is to use up your savings leaving you poorer than you have to be. That doesn't need to happen!

It is never to late until you ready need it put a Mortgage Protection plan to work for you !

Return of Premium

One of the most unique features of our policies is the return of premium rider that refunds every penny of premium when you live to the end of the policy term - just like getting your policy for free if you never needed it! This money comes directly back to you tax-free. Though many folks roll their distribution into some kind of retirement vehicle, it's also nice to use the money to pay off your mortgage or give your family a nice vacation together.

Mortgage Protection plan  works.