Protect the payment,
not just the loan.
Mortgage life and disability income coverage, sized to what your household actually owes each month — from a real, named, licensed agent, not a call-center funnel.
Homeowners insurance doesn't cover this.
Your homeowners policy protects the roof. It doesn't protect the payment underneath it — the piece your family absolutely can't skip.
PMI is for the lender, not you.
Private mortgage insurance protects the bank if you default. It doesn't put a dollar in your family's pocket if the primary earner is gone.
Disability is more common than death.
During a typical 30-year mortgage, a working homeowner is more likely to miss income to a disability than to death — but most planning ignores it.
Sized to the payment or the mortgage balance.
Coverage can be sized to a specific number of years of payments, not just the full loan — a practical middle ground when balances are large.
Two products. One goal: keep the payment made.
If you can't work, the bills don't pause.
Replaces a portion of your paycheck when illness or injury keeps you off the job — covering the mortgage, utilities, and groceries that don't wait.
A death benefit sized to your mortgage.
Term life coverage paid directly to your beneficiary — not the lender — so they decide how to use it. Level for the term you choose.
Level term vs. return-of-premium.
The honest mechanics — including when 'cash-back' term actually pencils out, and when standard level term is the better call.
Real homeowners. Real payments. Real coverage.
We work with families across 14 states — from first-time buyers to near-retirees paying down the last decade of a loan.
See what your payment actually looks like.
Not a lead-gen form pretending to be a tool. Real amortization math you can compare across 10, 15, 20 and 30-year term insurance. Calculate the monthly protection needed for your family.
Coverage can be sized to that Total Paid figure over a chosen number of years — not just the full loan balance. Useful when insuring the entire loan doesn't pencil out.
A five-minute quote. Zero pressure.
Tell us what you owe and how much of that payment you'd want covered. Richard follows up personally — usually within one business day.
Start with a quick note.
- Independent — we're not tied to one carrier.
- Licensed in FL and 13 other states.
- No high-pressure calls. Ever.