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Your home isn’t just four walls; it’s where your children take their first steps, where family memories are made, and where your loved ones feel safe and secure. Losing it would be devastating.
The thought of your family struggling to keep the home you’ve worked so hard for is heartbreaking. That’s why mortgage protection insurance exists – to give you peace of mind knowing that even if something happens to you, your family can stay in the place they call home.
You've worked hard for every dollar. This option ensures that if life goes as planned and you don't need the coverage, every penny you've paid gets returned to you.
We understand that budgets are tight. This affordable option decreases as your mortgage balance goes down, so you're never paying for more coverage than your family actually needs.
Life changes in ways we can't predict. This option keeps your coverage steady while giving you the flexibility to adapt if your health changes or your family's needs evolve.
We make getting mortgage protection insurance straightforward. Our team is here to walk you through each step quickly and with care.
Smoker-friendly life insurance is designed for individuals who are often overlooked by traditional life insurance providers because of their smoking, vaping, or cannabis habits. If you’re a smoker, vaper, or marijuana user, you may have faced higher premiums or even been rejected for coverage. However, your habits don’t define your entire health, and that’s what we focus on at Pretty Penny Capital. Smoker-friendly life insurance recognizes the complexities of your lifestyle and works with you to provide affordable and appropriate coverage.
Our fast and easy process ensures quick policy setup
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No two families or homeowners are exactly alike, and neither are their protection needs. Mortgage protection is about more than just covering a loan—it’s about making sure your loved ones always have a place to call home, no matter what life brings. See if you recognize yourself below:
Yes, many mortgage protection policies accept applicants with pre-existing conditions. Some do not require a medical exam, making them easier to obtain for those who may have health concerns. However, having a pre-existing condition might affect coverage options or premiums, and some exclusions may apply, especially for claims related to a recent medical event.
Mortgage protection insurance is generally a type of term life policy designed to pay off the remaining mortgage balance if the homeowner passes away during the policy term. The benefit amount typically decreases over time to match the mortgage, and some policies include riders for disability or critical illness.
Most mortgage protection insurance policies do not require a medical exam, which makes them accessible even to those with some health issues. Some providers may require a brief health questionnaire or medical review, but fully guaranteed-acceptance policies are available.
Many mortgage protection plans allow you to decrease the coverage as your mortgage is paid down. Some term plans also let you convert to permanent coverage if your needs change, but always check with your provider for specific options.
Most mortgage protection policies feature level premiums—your rates stay the same for the term of the policy, even though the coverage amount may decrease (for decreasing term options). Some plans may offer partial premium returns if unused, but this depends on the insurer and policy structure.
Mortgage protection insurance pays off your mortgage balance to keep your family in their home if you pass away. The benefit generally goes directly to the mortgage lender. In contrast, mortgage insurance (such as PMI) protects the lender if you miss payments or default on your loan—it does not protect you or your family. Mortgage protection is a form of life insurance focused on your mortgage, while mortgage insurance is designed to protect the lender’s investment.
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