Why It’s Needed

• Protect your home: Your mortgage doesn’t pause when life does. Insurance helps ensure the home stays in the family if income suddenly stops.
• Safeguard your credit and savings: Rather than draining emergency funds or investments, coverage steps in to handle mortgage obligations.
• Stability during tough times: With add-ons like disability or critical illness benefits, you can keep payments on track while you heal.
• Budget-friendly protection: Premiums are typically designed to fit household budgets and can be tailored to your mortgage balance and term.

Who Should Consider It?

• First-time homebuyers: New homeowners often have higher debt-to-income ratios and less savings—coverage provides a financial buffer.
• Families with dependents: If others rely on your income, mortgage insurance helps them keep the home and their routine.
• Single-income or self-employed households: When income is less predictable or concentrated in one earner, protection adds essential stability.
• Homeowners with large balances or long amortizations: The bigger or longer the mortgage, the greater the risk exposure over time.
• Co-owners and couples: Joint coverage can protect both parties and simplify the payoff process if one person passes away.

How It Works

You select coverage aligned to your mortgage amount and term. If a covered event occurs, a tax-free benefit (per policy terms) is paid to reduce or eliminate the outstanding balance, or to help with ongoing payments. You can often customize options—such as adding critical illness or disability benefits, choosing coverage for one or two borrowers, and aligning the term with your mortgage renewal cycle.

What to Expect with Us

We’ll review your mortgage details, monthly budget, and family needs, then recommend clear, affordable options. You’ll see your coverage, premium, and benefits in plain language—no surprises, just practical protection.