See what it costs to keep your home in the family.
- Your family keeps the house.No selling, no moving, no new school. The home you worked for stays theirs.
- The mortgage does not stop.The bank still wants a payment every month, even when one paycheck is gone.
- Cash to your family, not the bank.The payout usually comes tax-free. They choose: pay off the home, keep up payments, or cover other bills.
4.9 from 1,200+ Florida homeowners
- Free quote
- Licensed agent
- 15+ A-rated carriers
Plans from top A-rated carriers
- Carrier one
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If you passed away tomorrow, what happens to the house?
A licensed agent walks you through it.
- 1Answer a few questions
Takes about 90 seconds. No exam to get a quote.
- 2Your agent calls you
From (800) 555-0123, in English or Spanish. They compare plans from many companies for you.
- 3See real prices, then decide
No pressure. You never have to buy, and the quote is free.
Families across Miami-Dade
1,200+ reviews
"My mother lives with us, and my son will grow up in this house. One call, and I knew they would keep it no matter what."
Rosa M.Westchester"Two kids and a 30-year loan. Now I sleep better."
Maria R.Hialeah"No exam, and the agent explained everything in plain words."
Luis G.Doral"Cheaper than I thought. Took one phone call."
Carlos L.Kendall"The agent spoke Spanish with my dad. That meant a lot to us."
Andrea P.Miami GardensQuestions
What is mortgage protection insurance?
It is life insurance sized to your mortgage. If you pass away, the money goes to your family so they can pay off the home or keep making payments. Some plans also pay if you become disabled or critically ill.
Is this the same as PMI?
No. PMI protects your lender if you stop paying, and it pays your family nothing. Mortgage protection pays your family.
How is this different from the coverage my bank offers?
Bank coverage usually pays the bank, and the payout shrinks as you pay down the loan. With your own plan, the money goes to your family, and they decide how to use it.
What if I sell, move or refinance?
On most plans, the coverage stays with you, not the house. You keep it if you refinance or move.
How long does coverage last?
Most people pick 10 to 30 years, to match the years left on the loan. On most plans the price stays the same the whole time.
Is this from my lender or the government?
No. We are an independent insurance agency. We are not your lender and not a government program.
Do I need a medical exam?
Many plans need no exam. Your agent will tell you which options fit your age and health.
Could my current life insurance be enough?
Maybe. Your agent will look at what you have and tell you if it already covers your mortgage. If it does, you do not need more.
Does a quote mean I have to buy?
No. The quote is free and you are never required to buy. You decide after you see your options.
How much does it cost?
It depends on your age, health, tobacco use and coverage amount. The younger and healthier you are when you start, the lower your price. Your agent shows you exact prices before you decide.
