Mortgage Protection:
Have you ever considered what would happen if the unthinkable occurred and you suffered an unexpected death, disability, or critical illness? It’s something we don’t like to think about. We all figure it will happen to someone else. God forbid it should happen to you, how would your family be affected? What would your spouse and kids do without your income? It’s sad to think about, but you only have to consider it once.

A Mortgage Protection Plan is designed to take care of those worries. It insures if something should happen, such as a critical illness or disability, your house payment would be made for you as you choose. If you die you don’t have to worry about your spouse and children losing their home.

Our product allows you to designate a beneficiary of your choice to receive the death benefit providing peace of mind if unexpected circumstances occur. In most cases mortgage protection is easily issued without a medical exam with proof of a home purchase or refinance.

We offer term coverage of 10, 15, 20, 25 or 30 years to meet your individual needs. Hopefully you’ll never need to use this plan. If that is the case you can even choose a plan that returns all the money you’ve paid into it at the end of your term. Best of all we customize these plans to fit your individual needs and budget.

Return of Premium Benefit - Receive all the money that you pay for premiums back at the end of the term - tax free!  (We can show you how to pay your house off 5 – 10 years early using this benefit!)

Disability Protection - Receive a specified amount of monthly payments in the event of disability.

Waiver of Premium Benefit - Your premiums are paid in the event that you become disabled.

Critical Illness Benefit - You have the option of receiving a lump sum or stream of payments in the event you are diagnosed with a critical illness such as cancer.

Unemployment Benefits - Automatic payment of premiums if you become unemployed.

Guaranteed Premiums - The premium amount will not increase, as you grow older.

Children’s Riders - Our plans can include the coverage of your children, which can be, converted for up to five times the insurance amount.