Protect Your Home and the People in It
For most families, the home is their biggest investment and the mortgage is their biggest monthly bill. Mortgage protection is life insurance built around that mortgage, so the people you love can stay in the home you've worked for, even if you pass away, become seriously ill, or can't work.
At Insurance Money Moves, we help homeowners put that protection in place early, while they're healthy and have the most options.
The right plan protects your family whether life ends too soon or takes an unexpected turn.
What If You Live?
Most people think of life insurance as protection if you die. But what if you live, and a heart attack, cancer, a stroke or a serious injury keeps you from working? The mortgage payment doesn't stop. The bills don't stop. And your family's standard of living is suddenly at risk.
That's where living benefits come in.
Insurance You Don't Have to Die to Use
Living benefits let you access part of your policy's coverage while you're still alive, so it's there for you when you need it most. Depending on the carrier, policy and state, you may be able to use your coverage if you're diagnosed with a qualifying:
- Critical illness or injury, such as a heart attack, stroke, cancer or paralysis
- Chronic illness or condition that leaves you unable to perform everyday activities like bathing, dressing or eating
- Terminal illness, when life expectancy is limited
That money can keep your mortgage paid, cover medical bills, replace lost income, or simply give your family breathing room to focus on recovery, not finances.
And If the Unthinkable Happens
If you pass away, the death benefit goes to your loved ones to pay off the mortgage or keep up with payments, so they never have to choose between grieving and keeping their home.
More Ways Your Plan Can Work for You
- Coverage that's yours: Unlike some lender-offered coverage, the policy belongs to you, and your beneficiaries receive the benefit, not the bank.
- Return of premium options: On some plans, if you outlive the policy, you can receive premiums back.
- Simplified applications: Many applicants can qualify without a medical exam.
Who It's For
- New homeowners who want to protect their investment from day one
- Families relying on one or two incomes to cover the mortgage
- Self-employed homeowners without employer-provided coverage
- Homeowners refinancing or nearing retirement who still carry a balance
Our Approach
With nearly 20 years in financial services, we take the time to understand your mortgage, your budget and who you want to protect. We're licensed across the country and work only with A+ rated carriers, some with more than 100 years in business, so we can compare options and match you with the right plan, not just the first one.
Don't wait for tomorrow, plan for tomorrow. Plan strategically.
Prefer to talk? Call 973-417-6043
Coverage, benefits and availability vary by carrier, product and state. Living benefits are subject to policy terms and qualifying conditions. Receiving an accelerated benefit reduces the death benefit and may have tax consequences.
