Mortgage Protection Life Insurance - Done the Right Way
Protect Your Home. Protect Your Family. Protect Your Future.
When homeowners search for mortgage protection, they're often shown lender-driven products or old-fashioned decreasing-term plans.
That's not what we do.
The Mortgage Protection CompanyTM (a division of IUL.Solutions) offers independent, state-regulated life insurance strategies employing Level Term, Return-of-Premium Term, Whole Life, and Flexible Premium IUL protection options. The benefit goes directly to your family, not the lender.
Every recommendation is made in accordance with state suitability requirements, so you can feel confident your plan protects your home the right way.
Our mission is simple:
Make sure your family always keeps the home, no matter what happens.
What is Mortgage Protection Life Insurance?
Mortgage Protection Life Insurance is simply life insurance designed to help protect your home and family if the unexpected happens. Unlike lender-provided plans or PMI, Mortgage Protection Life Insurance puts control in your hands.
What mortgage protection life insurance is:
- Life insurance is designed to cover your mortgage balance
- Paid directly to your family
- Flexible, based on your goals and budget
What mortgage protection life insurance is not:
- Private Mortgage Insurance (PMI)
- Lender-owned insurance
- Automatically decreasing coverage
- Tied to the Home or the Loan. It is portable
Personalized Mortgage Protection (Term, Whole Life, or IUL)
With a personally-owned life insurance policy, you control the coverage, the benefit, and how it supports your family.
- Your family receives the full death benefit, tax-free.
- Level premiums and guaranteed protection for the term or for life.
- Portable coverage—keeps working even if you refinance or move.
- Living benefits for critical, chronic, or terminal illness.
- Cash value growth (Whole Life and IUL) that grows tax-deferred and is accessible for emergencies or retirement.
Return of Premium Option (for Term Life)
Prefer not to “use it or lose it”? With a Return of Premium term policy, if you outlive your coverage period, every penny of your base premium is refunded. It’s a smart, disciplined way to protect your family while guaranteeing a lump-sum return if you don’t pass away during the term — making your mortgage protection feel more like a savings strategy, not an expense.
Request a Consultation
We'll review your mortgage, goals, and budget and show you clear, no-pressure options that make sense for your family.
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