Protect your home and your family. If you pass away or become critically ill, mortgage insurance ensures your family isn't forced to sell the home you've worked so hard to own.
Bank-sold mortgage insurance decreases in value as you pay down your mortgage, but your premium stays the same. A personally-owned life insurance policy keeps its full value — often a smarter and cheaper approach.
With bank mortgage insurance, the bank is the beneficiary. With personal life insurance, your family is the beneficiary and can use the funds as they choose.
At minimum, you want enough to pay off your current mortgage balance. Many clients also add coverage for income replacement, childcare, education costs, and emergency reserves.
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