If something happened to you, your family should keep the house.
Mortgage protection life insurance pays your family cash if you pass away, so they can cover the mortgage and stay in their home. We compare more than 40 insurance companies to find your best coverage at the lowest cost.
- 40+ insurance companies, one conversation. We shop the market so you don't have to.
- Free, no-obligation quote. Takes about two minutes to request.
- Independent and on your side. We aren't tied to any single insurer.
Check your coverage options
Tell us a little. A licensed agent will call you with real numbers.
Prefer to talk now? Call (702) 955-0095
Mortgage protection is life insurance built around your home loan
If you pass away, the policy pays a tax-free death benefit to the people you choose. They can use it to pay off the mortgage, keep making payments, or cover anything else they need. It is often confused with mortgage insurance, but they protect different people.
Mortgage protection life insurance What we offer
- Pays your family, not the bank.
- Your family decides how to use the money: the mortgage, bills, childcare, or savings.
- Coverage length can match your loan, such as 15, 20, or 30 years.
- Premiums are based on your age, health, and coverage amount.
Mortgage insurance (PMI)
- Protects the lender if you stop paying.
- Usually required when you put down less than 20%.
- Does nothing for your family if you pass away.
- Typically added to your monthly mortgage payment.
One agency. Dozens of insurers competing for your business.
We compare so you get the best fit
Each insurer prices age and health differently. Because we work with 40+ companies, we can find the one that rates you best and keep your cost as low as possible.
Real people, plain answers
No pressure and no jargon. We explain your options, answer questions, and let you decide on your timeline.
Free to you
You never pay us to compare. Insurance companies pay agencies commissions, so a quote costs you nothing.
insurance companies we shop for you
Availability and rates vary by state and health.
From first call to coverage in four steps
Most people finish the conversation in about 20 minutes. You're never obligated to buy.
Tell us about your home
Share your mortgage balance, term, and a few basics using the form or by phone.
We shop 40+ companies
We match your age and health to the insurers most likely to offer you the best price.
You pick your coverage
We walk through the options side by side. You choose the amount and length that fit.
Complete approval
The insurer reviews your application. Some policies include a short health exam, often at home.
A health exam can happen at your kitchen table
Depending on your age, the coverage amount, and the insurance company, underwriting may ask for a brief health exam. Like in the days before Covid, a medical professional can visit you at home at a time that suits you.
- Usually about 20–30 minutes.
- Typically includes simple measurements and basic health questions.
- We schedule it and explain what to expect beforehand.
- Not every policy requires one. We'll tell you up front if yours will.
Common questions
Is mortgage protection the same as mortgage insurance?
No. Mortgage insurance (PMI) protects your lender. Mortgage protection life insurance is a life policy that pays your family if you pass away, so they decide how to use the money, including paying the mortgage.
How much does it cost?
It depends on your age, health, tobacco use, coverage amount, and policy length. Because we compare 40+ companies, we aim to find the lowest cost for your situation. We can give you real numbers on a short call.
Will I need a medical exam?
Maybe. Some policies are approved with health questions only, and others ask for a brief exam. If one is needed, a medical professional can visit you at home. We'll let you know before you apply.
Does it cost anything to use IPH Life Group?
No. Our quotes and guidance are free. Insurance companies compensate us if you choose a policy, and the price you pay is not increased because of that.
What if I already have life insurance through work?
Work coverage is a good start, but it usually ends if you change jobs and may be smaller than your mortgage. We can review what you have and show you where gaps may be.
Am I obligated to buy after I request a quote?
Never. Request a quote, ask your questions, and take as much time as you need.
Find out what coverage your family could have
Call now or request a free quote. A licensed IPH Life Group agent will go over your options with no obligation.