PROTECT YOUR DREAM HOME
Secure Your Investment. Protect Your family from premature death.
Don't leave your most valuable asset to chance. Our comprehensive mortgage insurance plans provide financial security for you and your family, ensuring your home remains yours, no matter what happens.
Protect Your Mortgage and loved ones. With Mortgage insurance.
Learn how mortgage insurance provides peace of mind for you and your loved ones.
Don't leave your family's future to chance. Get comprehensive coverage today!
Mortgage insurance is a type of life insurance that pays off the balance of your mortgage when you die.
Safeguard your biggest investment with a plan designed to protect your loved ones when it matters most.
Protect Your Family's Future
Safeguard Your Home Equity
Protect Against Loss of Income
Preserve your legacy
Your family is protected against premature death
Additional Services
In addition to our life insurance, we offer several products that require more specialized servicing by our experienced professionals. For inquiries regarding these products, please contact us by calling (805) 728-5553.
Annuities
Critical Illness and Accident
Long Term Care Insurance
Easy to apply! Secure peace of mind today..
We make the path to securing your home loan transparent and quick. Our process is designed for speed, clarity, and peace of mind.
Step 1: The Quote
Request your FREE quote today
Answer a few questions and we'll respond with a personalized mortgage insurance quote.
Step 2: The Review
Document Submission & Underwriting
Our underwriters are standing by to rewiew and complete the underwriting process.
Step 3: The Coverage
Final Approval & Policy Activation
Once underwriting is complete and a decision is rendered. Your home loan and family are protected. You decide what peace of mind is worth.
Protecting Your Mortgage with Life Insurance
Find clear answers about how the right life insurance policy can secure your home for your family's future.
How can life insurance be used to pay off a mortgage?
Your beneficiary receives a **lump-sum death benefit**, which they can use to pay off the loan. This is critical because **you keep control** — the insurer pays your family, not the bank, allowing them flexibility during a difficult time.
What type of policy works best for this?
The best choice is typically **Term life insurance** that matches the length of your mortgage (e.g., 20 or 30 years). This approach is highly **cost-effective** and is specifically designed for temporary financial obligations like a mortgage.
How much coverage should I buy?
You should aim for coverage that is at least the **amount of your mortgage balance**, plus some extra to cover immediate income replacement or final expenses. For example, a $400,000 mortgage might warrant a $500,000–$600,000 policy.
Who should be the beneficiary?
The beneficiary is typically your **spouse, partner, or estate**. Naming a person or entity gives them the power to decide whether to pay off the mortgage immediately or use the funds elsewhere based on their current financial needs.
Are premiums fixed or variable?
Most term life policies feature **level premiums** for the entire duration (whether 10, 20, or 30 years). This is highly beneficial for **easier budgeting** as it ensures your costs remain predictable and do not change over time.
Trusted Mortgage Protection
Real stories from homeowners we've helped protect
