Need more information about Renters Insurance?

Learn more with our renters Tools and Resources page.

Protecting your home

The purchase of a home is probably one of the largest single purchases you will ever make.

It will probably also create the largest single loan you have ever had.

In the event of your premature death, you’ve probably considered insuring your lives to ensure your surviving family will be able to stay in the home prior to the loan or mortgage being paid off.

So, should I get protection through a bank or insurance company?

There is only one answer...

If you want:

  1. Portability
  2. Flexibility
  3. Control
                                                            
The mortgage lender
Pay off mortgage
With your mortgage payment
The mortgage lender
Often underwritten at time of death
Not neccessarily guaranteed
None
Usually not available
Often same rates given, regardless of other factors
Benefit decreases as mortgage paid off
If you move, the insurance ends You will have to requalify
Can only cover the mortgage
Decreasing Term
Bank
Anyone - you decide
Beneficiary decides
Invest? Pay off mortgage?
Monthly, semi-annually,annually
Get level benefit Or lower benefit overtime to match yourmortgage
Underwriting at time of application
Fully guaranteed
Premium based on gender, smoking, health, lifestyle
Preferred underwriting available
Individual policies can be customized
Deal with licensed advisors
Insurance stays with you - even if you refinance or change lenders
Take care of all insurance needs with one policy
Term or Permanent
Insurance
Broker
Payment Frequency
Other Life Insurance needs
How Insurance will be used
Beneficiary
Your best options are available through an insurance brokerage.

Let's Compare!  
Type of Life Insurance
Benefit Level
Underwriting Time
Premium Rates
Premium Guarantees
Options and Riders
A needs analysis will take a look at the whole picture and help us determine a plan to suit your needs. A customized insurance plan will put the control where it should be...in your hands.
Now you know the facts, but how does this all fit together?
Lifestyle Discounts
Advice
Portability
Mortgage protection insurance that’s simple, easy, and clear
Find the right coverage today  »