A death benefit sized to your mortgage — paid to your family.
Standard level term life insurance, but scoped to the specific problem: keeping the payment made after a loss.
Protects your family.
Benefit is paid directly to the beneficiary you name. They decide whether to pay off the mortgage in full, keep making the monthly payment, or use it for other essentials while they get their footing.
Protects the lender.
PMI is required by lenders on many loans with less than 20% down. If you die or default, the payout goes to the bank — not your family. It's a loan-repayment product, not a family-protection product.
Two ways to size the benefit.
You don't have to insure the entire loan balance for coverage to matter.
Sized to the full mortgage balance
Traditional approach — the benefit is set at (or slightly above) your current loan balance so a beneficiary can pay it off outright. Simplest to explain, but premiums scale with the balance.
Sized to N years of payments
Alternative approach — insure the monthly P&I × 12 × a chosen number of years (say 10 or 15). Coverage keeps the payment made through the stretch that matters most, often at a meaningfully lower premium.
Match the term to the mortgage.
Late-mortgage households with under a decade left.
Common for households in the middle years of a 30-year loan.
Newer 30-year loans where the bulk of the balance remains.
First-time buyers who want coverage matched to the full loan term.
Let's price mortgage life to your actual payment.
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