See Which Mortgage Protection Savings You Qualify For in 2026
Mortgage protection is designed to pay off or pay down your home loan if you die or become disabled, so your family can stay in the house they love.
- Takes about 60 seconds
- Zero obligation
- We never sell your info
🔒 Your info is protected and never sold.
Of the benefit goes to your family, not the lender
Coverage that doesn't shrink over time
Benefits for serious illness & disability
What is mortgage protection insurance?
It's life insurance built around the size of your home loan. If you pass away, your family receives enough to pay off or reduce the mortgage. Many plans also include living benefits that pay you if a critical illness or disability keeps you from earning.
- Sized to your mortgage balance
- Optional living benefits
- Your family stays in the home
Lender coverage vs. a policy you own
The protection your bank offers and a policy in your own name work very differently.
Lender's coverage
Your own policy
Why do homeowners need it?
A mortgage keeps going even when a paycheck stops. The bill shows up every month, and few families can keep up on a single income. Locking in protection today costs far less than what losing the home would cost tomorrow.
- The payment is due every month
- One paycheck usually isn't enough
- Coverage is affordable today
Your mortgage never takes a month off. Your protection shouldn't either.
What does it cover?
First, the mortgage itself. And since the money goes to your family in cash instead of to the lender, it can also cover everyday bills, childcare, and the breathing room to grieve without worrying about foreclosure.
- Pays off or reduces your mortgage
- Cash goes directly to your family
- Stays in place if you refinance
What to expect on your call
Getting to know you
Your agent learns about your home and goals and answers any questions you have.
Your real options
Real plans with real prices from licensed carriers, tailored to what you shared.
Next steps, no pressure
The decision is yours. We never collect payment during this call.
Why families choose Mortgage Shield America
Your home stays yours
If the unexpected happens, the benefit pays off or reduces the mortgage so your family doesn't have to move.
A benefit that holds steady
Bank coverage shrinks over time. Yours stays the same and pays your family in cash, not the lender.
Living benefits built in
Options that pay you while you're living if illness or disability cuts off your income, so the mortgage still gets paid.
Frequently asked questions
How is this different from the coverage my lender offered?
Lender coverage gets smaller as your loan balance goes down, and it pays the bank. A policy you own keeps the same benefit, pays your family in cash, and stays with you if you refinance or move.
How much will it cost?
Pricing depends on your age, health, loan balance, and the length of coverage. Your agent will match the coverage to your mortgage and your budget, and seeing your options is free.
Will I need a medical exam?
Many of these programs don't require an exam, just a handful of health questions. Your agent will point you to the best fit based on your answers.
What are living benefits?
Add-ons that pay you while you're still alive if a qualifying critical illness or disability stops your income, so your mortgage gets paid even when you can't work.
What if I sell my home or refinance?
The policy belongs to you, not your lender. It follows you through a refinance or a move, while lender coverage often ends as soon as the loan changes.