Mortgage Protection Insurance | Get A Policy Now
Mortgage Protection Insurance

Your Family Loves That Home. Make Sure They Get to Keep It.

Your mortgage doesn't disappear when you do. Without mortgage protection, one death can force your spouse and children out of the home you worked years to build — the place where your family's memories live. That doesn't have to happen.

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What Happens Without This Coverage?

❌ Without Mortgage Protection

Your family inherits your mortgage balance. Without your income, they may be unable to make payments — and could be forced to sell or lose the home entirely.

✅ With Mortgage Protection

Your mortgage is paid off. Your spouse and children stay in the home you built together — debt-free, secure, and without the threat of losing everything.

🏠 Keep Your Family in Their Home
✓ No Medical Exam Options
✓ Covers Full Mortgage Balance
✓ Independent Agency · 10+ Years
The Reality No One Talks About

Your Mortgage Is the Biggest Bill Your Family Will Inherit.

Most homeowners spend 15, 20, even 30 years paying down a mortgage. It is often the single largest financial obligation a family carries. And yet most people never stop to ask: what happens to that mortgage if I die before it's paid off?

The answer is simple — and devastating. Your family inherits the balance. Every month, that payment still comes due. Without your income, your spouse may be forced to choose between feeding the family and paying the mortgage. That choice often ends one way: the home is sold or lost.

The home you painted, decorated, and raised your children in. The home your kids grew up in. The home that holds every memory your family has built together. Gone — not because of grief, but because of a mortgage payment.

"We know what it means to lose something irreplaceable. We built this agency so families don't have to lose their home on top of everything else. Mortgage protection is how you make sure that never happens." — Charlisha & Davone King Johnson

❌ The Risk You're Taking Right Now

If you have a mortgage and no mortgage protection, your family's ability to stay in that home depends entirely on their ability to keep making payments without you. Most families can't. The average mortgage payment in the US is over $2,000 per month — that's $24,000 a year your spouse has to find without your income.

✅ What Mortgage Protection Does

Mortgage protection pays off your remaining mortgage balance when you die. Your family keeps the home — free and clear. No monthly payment. No risk of foreclosure. No forced move. Just the security of knowing the place they call home will always be theirs.

💡 Think of It This Way

Your mortgage has two parts: the part that buys the house, and the part that protects it. Mortgage protection is the second part — the part that ensures your family never has to leave the home you built together.

How It Works

Mortgage Protection Is Simpler Than You Think

Mortgage protection insurance is a life insurance policy specifically designed to pay off your mortgage balance if you die. The benefit goes directly to your family — not the bank — so they can choose to pay off the home, use the funds to cover payments, or handle it however makes the most sense for their situation.

Unlike homeowners insurance which protects the structure of the home, mortgage protection protects your family's ability to stay in it.

  • ✓Pays off your remaining mortgage balance
  • ✓Benefit paid directly to your family — not the bank
  • ✓Coverage matches your mortgage term — 15, 20, or 30 years
  • ✓No medical exam options available
  • ✓Coverage amounts from $50,000 to $1M+
  • ✓Premiums locked in for the full term
  • ✓Tax-free payout to your beneficiary
  • ✓Can include critical illness & disability riders
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The Numbers Behind the Risk

$2K+
Average Monthly Mortgage PaymentThat's $24,000 a year your family must find without your income
65%
Of Homeowners Have No Mortgage ProtectionLeaving their family's home at risk if the unexpected happens
1 in 4
Americans Will Die Before Their Mortgage Is Paid OffStatistically, your family's home is at risk without this coverage
$0
What Your Family Owes on the HomeWith mortgage protection in place — completely paid off
The Missing Piece

Your Homeowners Insurance Doesn't Cover This

Most homeowners think their insurance has them covered. It doesn't. Here's what each type of coverage actually protects — and the critical gap that mortgage protection fills.

🏠

Homeowners Insurance

Covers physical damage to your home — fire, storms, theft, and liability. It protects the structure and your belongings. It does not protect your family's ability to make the mortgage payment.

🚗

Your Other Insurance

Auto, health, life policies through work — these may help your family survive financially. But they rarely cover enough to pay off a $200,000, $300,000, or $400,000 mortgage balance.

🏦

The Bank's Protection

The bank has its own mortgage insurance — PMI — which protects the lender, not your family. If you stop making payments, PMI pays the bank. Your family still loses the home.

🛡️

Mortgage Protection

This is the only coverage specifically designed to protect your family's right to stay in their home. It pays off the mortgage so your family keeps what matters most — no matter what happens to you.

Why This Is Personal to Us

We Know What It Means to Lose Something Irreplaceable.

When we lost our son Ramere in 2017, the grief was only part of what nearly destroyed us. The financial fallout that followed — from having no coverage in place — threatened everything we had built, including our home and our marriage.

We built Get A Policy Now because we never want another family to face what we faced. Mortgage protection isn't just a product to us. It's the difference between a family that stays together in their home and a family that is uprooted during the worst season of their lives.

"The home you raised your family in is not just real estate. It's the place your children took their first steps, where you celebrated birthdays, where you built a life. Mortgage protection is how you make sure that place stays in your family — no matter what." — Charlisha & Davone King Johnson
Who Needs This

If You Have a Mortgage, You Need This Coverage

Mortgage protection is not just for one type of homeowner. If you have a mortgage and people who depend on you, this coverage belongs in your financial plan.

👨‍👩‍👧‍👦

Families With Children

Your children grew up in that home. Mortgage protection ensures they don't have to leave it — no matter what happens to you.

💑

Married Homeowners

If your spouse couldn't afford the mortgage on their income alone, mortgage protection is not optional — it's essential.

💼

Primary Income Earners

If your income is what makes the mortgage payment possible, your family's home is directly at risk without this coverage.

🏡

Recent Homebuyers

The earlier in your mortgage you get covered, the lower your premiums — and the more of your balance you protect.

👴

Homeowners 45–65

Still paying down a mortgage in your peak earning years? This is exactly when your family's exposure is highest.

🔑

Single Parents

If you are the only one providing for your children and making the mortgage payment — this coverage is non-negotiable.

Simple Process

Get Your Home Protected in Three Easy Steps

1

Book a Free Consultation

Schedule a no-pressure call with Charlisha or Davone. We'll review your mortgage balance, term, and family situation.

2

Get Your Custom Quote

We shop multiple carriers to find the right coverage at the best rate for your specific mortgage and health profile.

3

Your Home Is Protected

Your policy is issued and your family's home is secure. No matter what happens to you, they stay in the house you built.

Every Month Without Coverage Is A Month Your Family Is at Risk.

There is no good time to think about this. There is only now — while you're healthy, while premiums are low, and while your family still has the chance to be fully protected. The longer you wait, the more expensive coverage becomes and the greater the risk your family carries.

$300K
Average mortgage balance American families carry
65%
Of homeowners have no mortgage protection in place
Today
Is the best time to get covered — rates only go up with age
Protect My Family's Home Today
Book a Free Consultation

Let's Make Sure Your Family Never Has to Leave That Home.

No pressure. No jargon. Just an honest conversation with licensed advisors who understand what's really at stake. Pick a time below and let's get your home protected.

Common Questions

Mortgage Protection FAQs

Is mortgage protection the same as PMI?

No. PMI (Private Mortgage Insurance) protects the lender if you default. Mortgage protection insurance protects your family — it pays off the mortgage so they can keep the home if you die.

How much coverage do I need?

Ideally your coverage should match your current mortgage balance. We'll review your specific situation during your free consultation and help you find the right amount.

Do I need a medical exam?

Not always. Many mortgage protection policies are available without a full medical exam. We work with carriers who have simplified underwriting options for qualifying applicants.

What if I refinance my mortgage?

We can help you review your coverage when you refinance to make sure it still matches your new balance and term. We'll keep your protection aligned with your mortgage.

Can I get coverage if I have health conditions?

In many cases yes. As an independent agency we work with multiple carriers and can often find coverage for applicants with health conditions. Book a consultation to explore your options.

Is this different from term life insurance?

Mortgage protection is a specialized form of term life insurance designed specifically for your home. While a standard term policy can also cover a mortgage, mortgage protection is tailored to match your balance and term precisely.