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Life Insurance
Mortgage
Protection
Why Mortgage
Protection
Mortgage Protection insurance is
more than just a policy to pay off the balance of your mortgage if you or
your spouse pass away. Mortgage Protection is a complete package of
coverages designed to ensure that whatever happens to you, you'll be able
to stay in your home and not end up broke.
Of course, if you or your spouse
dies, the policy pays you the money which you can use to pay off your
mortgage. If you're hurt working around your house or you're in an
automobile accident and can't work for awhile, your Mortgage Protection
coverage can provide disability benefits (if you qualify) to provide you
with cash while you can't work to ensure that your mortgage payments
continue to be paid. You don't have to worry about losing your house while
you're recuperating. Further, it is possible to have unemployment coverage
as well (if available in your state), so that if you lose your job, your
premiums will be paid for up to 6 months. The money will come to you, not
your mortgage company, so you have control over your money. Remember,
these Mortgage Protection policies are designed to help you, not some
huge, bureaucratic loan company. That's a good thing!
If the protections already
described were all there is to Mortgage Protection, it would obviously be
better for you than just a simple term life policy, but there's even more
available to you. There's something called "Waiver of Premium" which
allows you to skip paying your insurance premiums for awhile as you deal
with whatever caused your disability claim. So not only can you receive
money, you'll be able to save money too! But probably the most remarkable
feature available on our Mortgage Protection is the Return of Premium
provision (if available in your state). If you'd like, you can arrange to
all, of the money you've paid over the years returned to you at the end of
your policy term in one wonderful, tax-free lump sum! That's money you can
put straight into a retirement plan or just spend on yourself because you
deserve it!
Mortgage Life
Protection
The cornerstone of any mortgage
protection plan is, of course, the Mortgage Life component. Your policy
will provide survivors with a tax-free benefit to pay off your mortgage
and possibly cover some final expenses. This coverage is available for all
members of your family, including children - even if their names aren't on
the mortgage. It's also possible to cover yourselves for Critical Illness
protection to provide immediate funds to you should you suffer a covered
critical illness. A particularly compassionate coverage available to you
is the Terminal Illness Plan. Should you become terminally ill, you can
access up to 50% of your policy's value to meet expenses while you're
still alive!
Another unique feature is our
extended premium guarantee that will absolutely guarantee that the rate
you lock in today will be the same (stated in the policy contract) rate
you pay through the life of the term, if you qualify.
The application process is quick
and simple. No medical exam is required!* You should have an answer in
just a few days. It's that simple to start a plan that will protect you
and your family for years to come.
Disability Protection In addition to the peace of mind you receive knowing
that your family is provided for if the worst happens, you'll also rest a
little easier knowing that you're covered for up to two years in the case
of disability. If you or any covered member of your family is disabled in
a covered accident the disability coverage will provide cash payments to
you to pay your mortgage. These payments will be made in addition to any
other disability or critical illness payments you may be receiving.
Unemployment Protection
We've seen that our Mortgage Protection plans can
provide for you and your family if you pass on or if you become disabled.
Now certainly that's comforting, but it doesn't account for what's
probably the most likely malady to befall you - unemployment. You can
easily cover yourself with a benefit that will pay your policy premiums up
to six months and keep all your coverages in force while you look for new
employment. The alternative is to use up your savings leaving you poorer
than you have to be. That doesn't need to happen!
Return of Premium
One of the most unique features of our policies is the
return of premium rider that refunds every penny of premium when you live
to the end of the policy term - just like getting your policy for free if
you never needed it! This money comes directly back to you tax-free.
Though many folks roll their distribution into some kind of retirement
vehicle, it's also nice to use the money to pay off other expenses or give
your family a nice vacation together. |
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