Protect your paycheck. Protect your home.
A monthly benefit that matches your mortgage payment if you’re too sick or hurt to work. Get an instant quote in 30 seconds.
No labs. No medical exam. Just your mortgage statement.
Why Homeowners Choose Mortgage Protection
Quote in 30 Seconds
No income questions, no lengthy forms. Just 4 quick inputs and you see your rate instantly.
No Medical Exam
Skip the labs and doctor visits. Underwriting is streamlined — most applicants just provide their current mortgage statement.
Covers Your Mortgage
Your monthly benefit matches your mortgage payment ($1,000–$4,000/mo), so your home stays protected if disability strikes.
Your Data Is Protected
Bank-level 256-bit encryption. We never sell your information to third parties.
How It Works
Enter Your Details
Provide your monthly mortgage payment, state, gender, and age to see your personalized rate.
Review Your Coverage
See your monthly benefit, premium, 5-year benefit period, and 90-day elimination period — all in one clear view.
Complete Your Application
Apply and e-sign online — no labs and no medical exam for most applicants. In most cases the only document you provide is your current mortgage statement.
Frequently Asked Questions
What is mortgage protection disability insurance?
It is disability insurance that pays a monthly benefit equal to your mortgage payment (up to $4,000/mo) if you become unable to work due to illness or injury. The benefit helps you keep up with your mortgage while you recover.
How is the monthly benefit calculated?
Your monthly benefit equals your monthly mortgage payment, from a $1,000 minimum up to a $4,000 maximum. For example, if your mortgage payment is $2,500/mo, your benefit is $2,500/mo. If your payment is $5,000/mo, your benefit is capped at $4,000/mo.
Do I need a medical exam?
No. Underwriting is streamlined — no labs and no attending physician statement for most applicants. In most cases the only document you provide is your current mortgage statement.
Why don’t I need to enter my income?
Mortgage protection is sized to your mortgage payment, not your income. Your real income and occupation are collected later in the application for underwriting, but they do not change your quoted premium.
What are the plan terms?
Coverage includes a 5-year benefit period, a 90-day elimination period (the waiting period before benefits begin), and a residual disability benefit. Annual increase and maximize-your-benefit riders are not included.
How long does the application take?
Most applicants complete the online application in under 10 minutes. After submission, you will receive a document to e-sign via email.
Protect the home you've built — and the people in it.
Get a personalized quote in under 30 seconds. No income questions — just your mortgage payment, state, gender, and age.
Get My Free QuoteNo labs. No medical exam. Just your mortgage statement.