Q: Do I need mortgage protection insurance?
A: You might if you don't know the answer to these questions:
- Could your family keep their home without your paycheck?
- Can you GUARANTEE your family you will always be there?
- Can you GUARANTEE what will happen tomorrow?
- Do I have enough life insurance to pay off my mortgage AND pay my final bills and expenses?
- I am already paying for PMI with my mortgage payment. Will that prevent my home from foreclosure if I can't make the payment?
Q: Why do I need to make this decision today?
A: Because a tragedy is not going to wait until you are ready for it. Your family depends on your protection and support. Are you going to make their needs a priority?
Q: I'm too busy right now to deal with this.
A: If you are a busy person, then THIS is right the right time to protect your family and their home. LIFE is what happens when you're making plans, so be prepared for the GOOD as well as the BAD. Once you spend the few minutes necessary to get the information and rates you want, you and your family can be protected.
Q: I thought the my mortgage lender made me buy this insurance so I would qualify for the loan.
A: You may be confusing PMI (Private Mortgage Insurance), which only protects the lender if you default, with the protection we offer. Our coverage provides benefits that can be used to pay off your mortgage if you die, or help you make the mortgage payment if you become disabled. Click HERE for more information about PMI.
Q: Do I need this type of insurance if I already carry home owner's insurance?
A: Yes, if you are concerned about protecting your home from foreclosure and your family from eviction. Click HERE for more information.
Q: Isn't this kind of insurance expensive?
A: NO. We offer programs and rates designed to meet almost EVERYONE'S budget! For most people it costs about what they have in pocket change each day. Just ask us for details.
Q: Wouldn't I be better off investing my money?
A: Obtaining Mortgage Protection Insurance is protecting the best investment most people will ever make: Their home.
Q: Do you offer discounted life insurance policies?
A: No. It is illegal to offer a discount to induce someone to buy a life insurance policy; however, you do not need a discount if the regular cost of the policy is low enough. We offer some of the lowest mortgage protection life insurance rates available in the United States.
Q: Will I have to take a medical exam?
A: Some of the programs we offer do not require a medical exam from most applicants, and others will cover ALMOST everyone. Besides, it doesn't cost anything to get information.
Q: What if I have medical problems?
A: Some of the programs we offer do not require a medical exam from most applicants, and others will cover ALMOST everyone. Besides, it doesn't cost anything to get information.
Q: Why can't I wait until my health changes for the worse and I know I need the coverage?
A: Most companies will only offer you coverage while you are in good health. Putting this off until later will be placing your family's home and future at risk. RIGHT NOW, while you may still be eligible, is the best time to obtain mortgage protection life insurance. Remember, ALMOST everyone is accepted.
Q: What if we never need to file a claim on the policy, do we get our money back?
A: Some of the programs we offer provide the option of a complete return of premium at the end of the policy term. Details and availability vary by state. Ask our representatives about the availability.
