Mortgage Payments
Apply benefit funds to ongoing mortgage payments so the family doesn't have to choose between treatment and the house.
Service / Living Benefits
Mortgage
Mortgage
Protection
With Living Benefits.
Ensures your home remains a sanctuary for your family — even during a health crisis.
The home is
most families'
largest asset.
Ensures your home remains a sanctuary for your family, even during a health crisis. Unlike traditional life insurance that only pays out at the end, our plans feature Living Benefits — Accelerated Death Benefits.
This allows you to access a portion of your policy's value while you are still alive if you are diagnosed with a qualifying terminal, chronic, or critical illness.
For many families, their home is their largest asset — protecting it is one of the most important financial decisions you can make.
How It Works
From healthy to
From healthy to
health crisis.
Living Benefits give you access to your policy's value at the moment you need it most — not after.
01
Day One
Policy in Force
Your mortgage protection policy is sized to your remaining balance and structured around your timeline.
02
Healthy Years
Coverage Stands Guard
Your policy is doing exactly what insurance should — protecting your family's home in the worst-case scenario.
03
Diagnosis
Living Benefits Trigger
Diagnosed with a qualifying terminal, chronic, or critical illness? Your policy can advance a portion of its value while you're still alive.
04
Recovery / Beyond
Family Stays in the Home
Funds can be used however you need — mortgage payments, medical bills, lost income — keeping your family stable.
Qualifying Events
What can trigger
What can trigger
a living benefit.
Living Benefits riders typically activate on three categories of qualifying conditions. The exact list and amounts depend on the policy and carrier we shop for you.
- Terminal Illness — generally a diagnosis with a life expectancy of 12–24 months
- Chronic Illness — inability to perform 2+ activities of daily living, or severe cognitive impairment
- Critical Illness — heart attack, stroke, cancer (invasive), kidney failure, major organ transplant, paralysis, ALS, and more depending on rider
Specific qualifying conditions, definitions, and benefit amounts are determined by the policy and rider issued by the insurance carrier.
What It Covers
No restrictions on
No restrictions on
how you use it.
Medical Bills & Treatment
Out-of-pocket medical expenses, experimental treatments, travel for specialized care — anything insurance won't fully cover.
Lost Income Replacement
If you can't work during treatment, the benefit can replace lost wages and keep the household running normally.
Family Caregiving
Pay for in-home care, hire help, or compensate a family member who has to step away from their own job to support yours.
Protect the Home
Build a policy
Build a policy
around your mortgage.
The right coverage depends on your remaining balance, your timeline, and your family situation. Let's run the numbers.