MY PROTECTION INSURANCE Check Eligibility
🛡️ Life Insurance • Living Benefits

Keep The Home. Protect The People In It.

If you passed away tomorrow, or got too sick to work, how long could your family keep paying the mortgage? Mortgage protection with living benefits is designed to help cover your mortgage if you're gone — and, depending on the plan you qualify for, can pay you cash benefits while you're still alive if you're diagnosed with something serious like cancer, a heart attack, or a stroke.

  • Designed to help cover your remaining mortgage balance
  • Cash benefits if you're diagnosed with cancer, a heart attack, or a stroke
  • Benefits if you're too sick to work
  • Return-of-premium options available
  • No-medical-exam options available
🔒 Secure & private ⏱️ Takes about 2 minutes 🩺 No-medical-exam options

Check Life Insurance Eligibility

During your working years, you're far more likely to face a serious illness than to pass away.

And when it happens, the income stops — but the mortgage doesn't. That's exactly what living benefits are for: cash you can use while you're still here.

Check Eligibility →
💛 Living Benefits Explained

What are living benefits?

Traditional life insurance only pays out after someone passes away. Living benefits work differently — depending on the plan you qualify for, they let you access a portion of your benefit early if you're diagnosed with something serious while you're still here.

That means one policy can protect your family's future and give you a financial lifeline if life takes an unexpected turn — often at no additional premium cost.

❤️

Cancer, heart attack & stroke

If you're diagnosed with cancer, suffer a heart attack, or have a stroke, you may be able to access a portion of your benefit while you're still living.

⚡

Too sick for daily life

If you become too ill or injured to handle everyday tasks on your own, funds may be available to help cover your care.

⏱️

Given months to live

With a terminal diagnosis, benefits may be accessed early — so those months can be spent focused on family instead of finances.

✅

Often no extra cost

Living benefits are frequently built into policies at no additional premium, so this protection doesn't have to cost you more.

🏠

The mortgage, if you're gone

The same policy is designed to help cover what's left on the mortgage, so your family can stay in the home.

📋

Other serious conditions

Qualifying conditions vary by carrier and by state. A licensed agent will walk you through exactly what each plan covers.

Living benefits, qualifying conditions, and payout amounts vary by carrier, product, and state, and are subject to the terms of the policy and carrier underwriting. A licensed agent will review the specific options available to you.

Check Eligibility →
How It Works

Simple, honest, and built around your family.

1

Answer a few quick questions

About 2 minutes. No paperwork, no medical exam required to check.

2

A licensed agent shops for you

They compare dozens of A-rated carriers to find your best fit and rate.

3

Choose the plan that fits

No pressure — you decide what's right for your family.

4

You're protected both ways

Cash benefits while you're living, and the mortgage handled if you're gone.

And if you never get sick? Your family still receives the full benefit. Either way, they're protected.
Check Eligibility →
Carrier Access

Some of the carriers we compare

American-Amicable logoAmerican-Amicable Foresters Financial logo United Home Life logo Mutual of Omaha logoMutual of Omaha Transamerica logoTRANSAMERICA Americo logo Gerber Life logo John Hancock logoJohn Hancock Protective. Banner Life logoBanner Life Assurity logoAssurity SBLI logoSBLI Royal Neighbors Aetna logo Corebridge Financial logoCorebridge Financial F&G logo National Life Group logo Liberty Bankers Insurance Group logo ethos Baltimore Life logoBaltimore Life

All product names, logos, and brands are property of their respective owners and are used for identification purposes only. Use does not imply endorsement or affiliation. Carrier availability varies by state.

🏅A-rated carriers only
🧑‍💼Licensed agents nationwide
🩺No-medical-exam options
⚡Fast, simple process

Your rate is based on your age and health today.

Life insurance premiums are generally lower when you're younger and healthier, and coverage requires qualifying through the carrier's underwriting. A licensed agent can walk you through the options you may qualify for.

Check Eligibility →

Keep The Home. Protect The People In It.

A licensed agent shops A-rated carriers so you don't have to.

Check Eligibility →

Prefer to talk it through? A licensed agent will call you after you submit the quiz.

Check Eligibility →