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Licensed life insurance agent · Serving clients nationwide

Make sure they keep the house.

Mortgage protection insurance is built to pay off your remaining mortgage balance if something happens to you, so your family never has to sell or move.

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Shopping your case across top-rated carriers, including

Americo Ethos Mutual of Omaha Transamerica Royal Neighbors of America Corebridge Financial
What it is

Protection tied to your biggest asset.

Mortgage protection insurance is a policy sized around your home loan. If you pass away, the death benefit is there to pay off what's left on your mortgage — keeping your family in the home instead of forcing a sale.

Many policies are available with simplified underwriting, meaning faster approval and, in many cases, no medical exam required.

Matched
Coverage sized to your mortgage balance
Fast
Simplified underwriting, often no exam
Secure
Family stays in the home, no forced sale
A smiling couple in front of their home, the kind of family Permacare covers
50 states
Licensed nationwide
15+ carriers
Independent access to top-rated insurers
What it can look like

An illustrative example

Every quote is personal, but here's what mortgage protection can look like for a healthy 35-year-old with a $300,000 loan.

Mortgage balance$300,000
Coverage amount$300,000
Monthly premium$33 per month
Medical examOften none required

Example only, based on a healthy 35-year-old, preferred rate class, 20-year term. Actual premiums depend on age, health, loan balance, and carrier — Permacare will get you an exact, personalized quote before you commit to anything.

Who it's for

Built for homeowners with a mortgage.

New homebuyers

You just signed a 15 or 30-year mortgage and want it covered from day one.

Single-income households

If your income disappeared tomorrow, you want the mortgage handled so your family can stay put.

Fast approval seekers

You want coverage in place quickly, without a long underwriting process.

What's included

The key features

Death benefit sized to your mortgage balance
Can decline alongside your loan balance, or stay level
Often available with no medical exam
Fast, simplified approval process
Keeps your family in the home if the worst happens
Can be paired with other coverage types
Is this the right fit?

Mortgage protection vs. standalone term

Both can pay off your mortgage if something happens to you — the difference is how the coverage is structured.

Standalone term life

Flexible, often cheaper

  • Coverage amount is fully flexible, not tied to your loan balance
  • Often cheaper for a healthy applicant willing to take a medical exam
  • Beneficiaries can use it for anything, not just the mortgage
Mortgage protection · Permacare

Matched, simplified

  • Coverage sized exactly to your mortgage from the start
  • Simplified underwriting, often no medical exam
  • Fast approval, in place quickly after closing

Both are legitimate ways to protect your home — Permacare walks you through both honestly before you decide. Not sure which one you need? That's exactly what the first call is for.

How it works

Get covered in 3 easy steps

No middlemen, no guesswork — just three simple steps to a rate that's yours.

STEP 01
1

Quick conversation

A 15-minute call about your family, your budget, and what protection actually makes sense right now.

STEP 02
2

Matched to a carrier

Permacare shops your case across top-rated insurers to find the strongest rate for your health and goals.

STEP 03
3

Locked in

Once approved, your rate and coverage are set. Nothing changes again unless you want it to.

Got questions?

FAQ

No — the death benefit goes to your beneficiaries, the same as any life insurance policy. They can use it to pay off the mortgage, or however they need to.
Many mortgage protection policies use simplified or accelerated underwriting, which often means no exam. It depends on your age, coverage amount, and health.
The coverage doesn't disappear — it's your policy, not tied to the lender. You can keep it in place, adjust it, or convert it depending on your goals.
No — they're completely different things. PMI protects your lender if you default on the loan, and it's usually required when your down payment is under 20%. Mortgage protection insurance is life insurance that protects your family, paying out a death benefit if something happens to you.
Most people match it to their remaining mortgage balance, but you can go higher to also cover other expenses, or lower if you're supplementing other coverage you already have. We'll help you land on the right number for your situation.
Yes. Many homeowners stack mortgage protection on top of existing coverage specifically so the mortgage is handled without touching the rest of their life insurance. There's no rule against holding more than one policy.

Ready to see what your rate looks like?

One short call is all it takes to find out what you qualify for. No pressure, no obligation — just real numbers.

See your rate Call (443) 815-8024 or email life@permacareco.com