Coverage

Four layers of protection, one steady home.

Bundle any combination. Every policy is owned by you, portable across lenders, and priced to a fixed premium for the life of your term.

A modern home's covered porch at dusk, warm light glowing through the glass front door
L

Term Life

Pays the mortgage in full

A tax-free lump sum paid to your beneficiaries designed to fully retire the remaining mortgage principal.

What it coversPays off the remaining loan balance if you pass away during the term, so your family keeps the home outright.

  • ◆Guaranteed fixed premiums
  • ◆10, 20, or 30-year terms
  • ◆Portable across lenders
  • ◆Up to $2M in coverage
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D

Disability Income

Covers your monthly payment

Monthly benefits that step in when you cannot work, keeping your mortgage current until you recover.

What it coversCovers your monthly principal and interest payment while an injury or illness keeps you out of work.

  • ◆2-year or 5-year benefit periods
  • ◆Covers up to 100% of P&I
  • ◆Own-occupation definitions
  • ◆Elimination periods from 30 days
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C

Critical Illness

Lump sum on diagnosis

A single tax-free payment on qualifying diagnosis to spend however your family needs — including paying down the loan.

What it coversPays a lump sum on diagnosis of a covered condition like heart attack, stroke, or cancer — usable for the mortgage, treatment, or anything else.

  • ◆Heart attack, stroke, cancer, more
  • ◆No waiting period after approval
  • ◆Return-of-premium option
  • ◆Coverage from $25k to $500k
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P

Probate Protection

Bypass the courts

Structures your policy and beneficiary designations so proceeds pay directly to your family — outside probate, free of court delays, fees, and public record.

What it coversGets the payout to your named beneficiary in days instead of months, skipping court delays, probate fees, and public record.

  • ◆Named-beneficiary payout, not estate
  • ◆Optional trust-owned policy setup
  • ◆Typically funded within 14 days
  • ◆Avoids probate fees (up to 5% of estate)
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Side by side

How the four plans compare.

Each layer answers a different "what if." Most families bundle two or more — here's how they differ at a glance.

 Term LifePays the mortgage in fullDisability IncomeCovers your monthly paymentCritical IllnessLump sum on diagnosisProbate ProtectionBypass the courts
What it paysTax-free lump sum sized to your remaining loan balanceMonthly benefit covering your principal & interest paymentTax-free lump sum on qualifying diagnosisThe same policy payout — routed directly to your beneficiary
When it paysIf you pass away during the termWhile an injury or illness keeps you out of workOn diagnosis of a covered condition (heart attack, stroke, cancer, more)On any covered claim, by skipping the probate court queue
Who receives itYour named beneficiaryYou, each month, while you recoverYou, to spend however your family needsYour named beneficiary — not your estate
Typical amountUp to $2MUp to 100% of your monthly P&I$25k to $500kNo separate amount — it structures your other coverage
How long it lasts10, 20, or 30-year terms2-year or 5-year benefit periodsFor the life of the policyAs long as your designations stay current
Medical examNot for most applicantsNot for most applicantsNot for most applicantsNone — it's a paperwork structure, not new underwriting
Probate Protection

Probate questions, answered plainly.

The part of estate planning people put off until it is urgent. Here is what this coverage does, what it does not, and where it falls short.

What does probate protection actually change?+
It controls how the death benefit is paid, not whether it is paid. A policy with a named living beneficiary pays that person directly. A policy payable to your estate has to wait for the courts to name an executor and issue authority before a dollar moves — usually 6 to 18 months.
Does it put my house in someone else's name?+
No. Probate protection covers the insurance proceeds, not the deed. Your home still passes according to your will, trust, or how title is held. What changes is that the cash to pay off the mortgage arrives outside the estate, so your family can keep the house while the rest of the paperwork runs its course.
My bank's policy already pays off the mortgage. Isn't that enough?+
Bank-owned credit life is usually assigned to the lender, so the payout goes to the loan first and only covers the balance at that moment. It also ends when you refinance or switch lenders. A personally owned, properly designated policy pays your beneficiary, who decides whether to retire the mortgage or use the money elsewhere.
What happens if my beneficiary dies before I do?+
This is the most common way the protection quietly fails. With no living named beneficiary, proceeds default to your estate and go straight into probate. Naming contingent beneficiaries — and refreshing them after a marriage, birth, divorce, or death — is what keeps the payout outside the courts.
Does it avoid estate taxes?+
No. Probate and estate tax are two different things, and skipping one does not skip the other. In many cases proceeds you owned at death can still count toward your taxable estate. If that is a concern, a properly drafted irrevocable trust ownership structure is the conversation to have with an estate attorney.
Will it shield the money from my creditors?+
Often, but not automatically. In many states life insurance paid to a named beneficiary is protected from the estate's creditors, while proceeds paid to the estate are fair game. It is never a shield against debt you co-signed or a mortgage your family intends to keep paying.
I have a living trust. Do I still need this?+
A trust is the strongest version of this protection, because assets inside a properly funded trust generally bypass probate. The catch is funding: a policy that was never retitled to the trust, or trust language that was never updated, can still route proceeds through the estate. We check that during setup.
I own property in more than one state. Does that matter?+
It can. Real property in a second state often triggers its own ancillary probate proceeding there. The insurance payout still goes straight to your beneficiary regardless, which is exactly why having cash outside the estate matters when the house itself is tied up in two courts.
How quickly do beneficiaries receive the money?+
On a straightforward claim, typically within 14 days of a death certificate and completed claim form. There is no waiting on a court order, no executor appointment, and no publication requirement, which is the entire point.
Can I cancel or change it later?+
Yes. Beneficiary designations are changeable at any time at no cost, and the coverage is cancellable with no surrender charges or exit fees. We recommend a review every few years, or after any major family change.

What probate protection does not cover

Every one of these is a real way families still end up in court. Worth reading before you sign anything.

  • ◆Policies payable to your estate, or with no living named or contingent beneficiary — proceeds fall into probate like any other asset.
  • ◆Deaths inside the contestability period (typically the first two years) from a cause tied to information you misstated on the application.
  • ◆Suicide inside the contestability window, which most policies exclude and settle as a refund of premiums paid.
  • ◆Lapsed policies — a missed premium that ends coverage before the beneficiary designation ever matters.
  • ◆Proceeds assigned as collateral to a lender. An assignment can direct the payout to the creditor first, ahead of your family.
  • ◆Estate taxes, probate fees on your other assets, and court costs on the home itself. This covers the insurance payout only.
  • ◆Trust-owned setups where the policy was never retitled to the trust, or the trust language was never updated to receive it.
  • ◆Legal and tax advice. This is an insurance structure, not an estate plan — confirm the fit with a licensed advisor and your attorney.

Not sure which fits?

A licensed advisor can walk through your mortgage balance, family situation, and existing coverage — usually in under 15 minutes.

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