⌂Home Protection Services
Not your mortgage company
Not your mortgage company
What you leave them is up to you

A house, or a payment. Pick one.

The mortgage doesn't stop when an income does. Mortgage protection is life insurance sized to your mortgage, so the balance can be paid to your family tax-free and they stay in the home. Answer 4 quick questions and a licensed broker will call you today with your options.

See what you may qualify for

About one minute. No medical exam on many options.

Step 1 of 2
Do you have a mortgage on your home?
This tells us which carriers write policies where you live.Please choose your state.
Please choose your age range.
Pick a time that works.
Please enter your first name.
Please enter your last name.
Enter a 10-digit phone number.
Enter a valid email.
No pressureNo exam on many optionsFree review

What happens after you hit the button

  1. You answer 4 questions

    About one minute. No payment details.

  2. Todd calls you today

    From (216) 465-0694. Please answer. A licensed broker, not a call center.

  3. A ten-minute review, same day

    What you already have, what you need, and what you may qualify for. If it's not a fit, you'll hear that in the first five minutes.

Three things homeowners assume

Homeowner's insurance would cover it.
It covers the house against fire and storms. It does not make a single mortgage payment.
We have PMI, so we're protected.
PMI protects the lender if you default. It pays your family nothing.
Both names are on the deed, so the bank would forgive the loan.
The surviving spouse owes the full balance. Same payment, same due date, one income.

Mortgage protection fixes that

  • If something happens to you, your family receives a tax-free payout sized to the homePaid to your family, not the bank. They decide what to do with it.
  • Many policies include optional living-benefit ridersIf the insured is diagnosed with a qualifying serious illness, money may be advanced while you're alive. Varies by carrier and state.
  • No medical exam on many optionsApproval may depend on your answers to health questions. Declined before? Different carriers give different answers.
  • A licensed broker shops many A-rated carriers for youYou're not locked into one company's rate.

Who will be calling

TH
Todd Henning
Licensed life insurance broker
“When you send the form, I'm the one who calls. Ten minutes, no pressure. If I can't help you, I'll say so and we'll hang up as friends.”

Quick answers

How much does it cost?

It depends on your age, health, the amount, and the carrier. Coverage is sized to your mortgage, not to a number picked for you. You'll get real figures on the call, not a teaser.

I have life insurance through work.

Most work policies are one to two times salary and end when the job ends. Ask how many years of your mortgage it would cover. Often it's less than three.

I've been declined or I take medication.

Different carriers underwrite differently. Many options don't require an exam, though approval may depend on your answers to health questions. It's worth a ten-minute look.

Will I get spam calls?

No. Only Todd Henning's office contacts you, from one number, and you can reply STOP to any text at any time. We never sell your information.

Is this from my mortgage lender?

No. We are an independent life insurance brokerage. We are not affiliated with any lender, bank, or government agency. Your lender does not know you filled this out.

Who gets the money, the bank or my family?

Your family. The benefit is paid to the person you name, tax-free. They decide whether to pay the house off or keep the payment going.

Can I cancel?

Yes. Policies come with a free-look period, usually 10 to 30 days depending on your state, to cancel for a full refund of any premium paid.