Secure your Legacy with Mortgage Protection.
Leave a Legacy with Mortgage Protection
DO NOT let the "Bank" take away your Home's EQUITY! Make sure your house is paid off if you were to get seriously ill or pass away. 🛡️
Select A Time & Fill Out Survey Below ⬇️
It's finally time to take care of business.
Let's do this, together.
Your home is one of your largest financial investments; Mortgage Protection will both protect and reinsure your family's Legacy.
Your policy can/will provide financial stability- covering expenses like:
✅ Mortgages / Loans
✅ Medical Expenses due to critical illness
✅ Daily living costs in your absence, etc.
Simply put- it's "Peace of Mind" for you, & "Protection" for them. 🌟
Top Benefits Of
Mortgage Protection
Family Stability
Be at peace knowing your family's home and legacy is secured no matter what. Avoid the risk of foreclosure due to unpaid mortgage debts during a life emergency.
Unexpected Death
IULs are an effective tool for transferring wealth to your heirs. The death benefit can provide financial security for your family, ensuring they have resources to cover expenses or continue their lifestyle.
Disability Coverage
Long-term health conditions; need help with at least 2 out of 6 daily functions:
Bathing: bathe oneself independently.
Dressing: dress and without assistance.
Eating: The ability to feed oneself.
Transferring: The ability to move from one place to another.
Toileting: Using the toilet independently.
Continence: The ability to control bladder and bowel functions.
Peace of Mind
You can finally sleep soundly at night, knowing that your family and home are protected... if you can’t provide for them anymore (due to major health issues or you passing away)
Critical Illness
You can borrow against your policy’s cash value without penalty, giving you access to funds when needed. Use your policy to invest in your future endeavors (while your money is still growing Compound Interest!)
Tax-Free Benefits
The IRS does not have a cold where they can text and insurance inheritance. Upon your passing, your beneficiary will receive the cash value check 100% tax free.
Choose your Beneficiary
Kids get old... & some relationships get sour. As the years go by, you can change your beneficiary to whoever you want... as many times as you want until you make the best decision.
NO Medical Exams
No Blood, Urine, or Physicals required!
Your policy type will be issued by your medical information bureau history report. Some clients receive same-day coverage approval!
Cash-Back Option!
If you are all young and healthy enough, some policies will give you 100% of your money back if you don't pass away! Essentially making your policy free in the long run.
Our A+ Rated Carriers:
& Many More! Over 35+ Carriers to Choose From!
Simple 3-Step Process:
1) Get a Quote Over the Phone or Zoom
Click “Quote Button” to fill out the 2-minute Life & Health Survey & choose a time to chat.
Your personal underwriter concierge will give you a call during your selected time.
2) Select Your Policy & Apply
Shop 35+ carriers for the best policy options based on your Age, Health, and Budget. Policy Application takes 7 minutes to complete over the phone!
3) Lock-in Coverage! 🥳
Get pre-approved 100% over the phone or zoom! NO medical exams are required-up to $2 Million in coverage! Many clients get approved same-day!
TESTIMONIALS
Client
Yolanda C.
Mortgage Protection (Arizona)
As a mother, being approved for mortgage protection is a huge comfort. Knowing that my family and our home are safe no matter what happens, allows me to breathe a little easier.
The relief that comes from having this protection is hard to put into words—it's like having a guardian watching over us. It lifts a massive weight off my shoulders, allowing me to look forward to the future with hope and confidence
Thomas S.
Mortgage Protection (Ohio)
I am deeply grateful, knowing my family is safe and secure with Mortgage protection. I watched my mother lose our home when dad died; I refuse to let that happen again.
I can face the future with confidence, understanding that this policy stands as a shield for the ones I love most. Thank you Art for providing us with such peace of mind and dealing with my thousand questions!"
It Only Takes 15 Minutes To Change Your Legacy...
FOREVER.
FAQ's
It's time to take action. Here are the most Frequently Asked Mortgage Protection Questions: 👇
FAQ 1):Is a Mortgage Protection policy a good choice for me??
Mortgage protection is like a safety net—it ensures that your mortgage is covered if something happens to you, like illness or job loss. If you're the primary earner, it might give you peace of mind.
Imagine not stressing about your mortgage if something unexpected happens. Mortgage protection means if you face an illness, accident, or job loss, you know the mortgage is covered. It’s a huge relief, especially if you’re the main earner.
FAQ 2) Do I have to draw blood or urine?
🚫💉No blood / NO Medical exams required
All of our policies up to $1 million are non-medical. This means we can see if you get approved based off of your medical information Bureau history.
Everything is done electronic; they will pull your exact health history to see which tier you qualify for.
FAQ 3) How much should I put in to start my policy?
Costs can vary quite a bit—Depends on factors like your age, the amount of your mortgage, and your health.
On average, it might range from $50 to $250 a month, but that's a rough estimate because everyone age is needs are a bit different. It's worth getting quotes from different providers to see what suits you best
FAQ 4) Do I have to meet in-person??
☎️ Get Approved DIRECTLY over the Phone, ZOOM, or Facetime!
Insurance agents used to have to go to your house, however, COVID-19 changed the game. It only takes 10 to 15 minutes to get approved directly over the phone!
If you are healthy enough, there is a great chance you will receive your policy number same day!
FAQ 5) Does my Beneficiary have to pay taxes on the money?
NO. 😁
Your policy is a 100%Tax-Free Benefit.
Beneficiary gets the scheduled death benefit amount.
FAQ 6) What happens if I move or sell my house?
Your policy is 100% portable and transferable.
The portability means if you were to move after selling your home, you can take the face value of your policy and carry it over to your next home.
Also, there are no transfer fees associated. That means, when the day comes that you paid off your home... and no longer have a mortgage to protect- you can convert your policy over to a traditional life insurance policy, so your beneficiaries can ensure your legacy continues.
FAQ 7) I am / becoming a Senior Citizen. Can I still Insure my house?
Absolutely. Many insurance carriers realize adults over the age of 60 years old typically live on a fixed budgets. That's why they have created a policy concept called "Equity Conservation" to offer coverage to all ages.
You will be able to leave your loved ones a check for a certain amount of months, whether that be from six months to three years of coverage. that way, your family will have enough time make executive decisions on what they are going to do with your home- (while they are simultaneously laying you to rest).
FAQ 8) Can I use an IUL for Mortgage Protection as well? 🤨
Of course. We can help you with this niche product as well.
The only concern that comes to mind is age, health, and budget when it comes to IULs.
You have to be under 60 years old and great health for an IUL as mortgage protection to make sense financially. Here are some benefits to using an IUL as certified Mortgage Protection (for the select few).
Super Safe: Your cash value isn’t tied to the stock market, so you can relax knowing your money is protected!
Great Growth: You can earn interest between 5% and 10% each year, depending on how well the index performs. That’s pretty cool!Tax-Free Fun: Any interest you earn is totally tax-free! More money in your pocket!
💰Easy Access: Need cash? You can take out money from your IUL anytime without any penalties—no matter how old you are!
Retirement Boost: If you set it up right, your IUL can give you tax-free income during retirement. How neat is that?
Support When You Need It: If you get seriously ill, you can access 80-100% of your death benefit. It’s there to help you!Forever Benefit: The death benefit lasts forever!
Plus, it’s not taxed and skips the probate process.Put in as Much as You Want: There are no limits on how much you can add to your IUL. More contributions mean more growth! 🌱
FAQ 9) I have pre-existing conditions, can I still qualify?
Typically, most mild cases (like well-controlled High Blood Pressure) will still get approved.
Here is a list of KNOCKOUTS (Will not qualify):
-A felony within 5-10 years
-Currently on probation
-DWI or DUI within 5 years
-Overweight (Depends on height)
-Personal history of cancer
-History of alcohol or substance abuse
-Life, health, or disability insurance that has been rated or declined
-Major medical conditions
-Alcohol Abuse
Let's Find a Time to Talk!
Policy Request Takes 10-15 minutes for Approval.
Most get approved same-day! 👇👇
Peace and Love. We are looking forward to helping you soon.
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