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MPI - Mortage Protection Insurance

  • Protects YOU and your family

  • Pays off or helps cover your mortgage if you die, become seriously ill, or can't work due to injury.

  • Pays to your beneficiary OR mortgage lender

  • Can include Living Benefits

  • You own the policy

  • You control the coverage and can take it with you if you refinance or move.

  • Can be used for final expenses

  • YOU select amount of coverage

PMI - Private Mortage Insurance

  • ​Protects the LENDER—not you

  • Covers the bank if you stop making payments—not your family.

  • No benefits to your family

  • If you die or get sick, your family still owes the mortgage.

  • You pay the premium, but don’t benefit directly

  • Adds to your monthly mortgage payment until you have enough equity.​

FULL PAYOFF WITH LIVING BENEFITS

This will make sure that the family keeps the home and pays the mortgage off in its entirety. It also provides Living Benefits.

PARTIAL PAYOFF

This will pay off half the mortgage amount so the monthly payment can be cut in half, making it more affordable for one person. It also provides Living Benefits for Critical and Chronic Illness.

CRITICAL PERIOD

This solution will allow you to protect your equity and give your loved one(s) the time needed to decide what to do with the home. When there is a death in the family, time and options are everything. This plan gives you the ability to cover your mortgage payments for a set amount of time. It also provides Living Benefits for Critical and Chronic Illness.

"Protecting my family is my top priority. When a lifelong friend passed away, I saw his family struggle to keep their home and maintain their way of life. I decided then that I wouldn’t let that happen to my family. And now that I have a policy, it won’t."

Joseph D.

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