Compare Your Options
Not all life insurance is created equal. See how mortgage protection stacks up.
| Feature | Mortgage Protection | Term Life | Whole Life | Employer Coverage |
|---|---|---|---|---|
| Pays off mortgage | Yes | Indirectly | Indirectly | Indirectly |
| No medical exam options | Common | Sometimes | Rare | Yes |
| Portable (keep if you change jobs) | Yes | Yes | Yes | No |
| Declining benefit option | Yes | No | No | No |
| Typical monthly cost | $20-$50 | $15-$40 | $100-$300 | $0-$20 |
| Coverage stays if you leave job | Yes | Yes | Yes | No |
Bottom line: Mortgage protection insurance is purpose-built to protect your home. Term life gives you flexibility but requires you to plan the payout. Employer coverage disappears when you leave. We help you find the right balance.