Your home, protected.
Mortgage protection insurance ensures your family can stay in your home — even if you're no longer there to make the payments. We help you compare plans, riders, and cost side by side.
10–30 yr
Term options
Living
Benefit riders
A+
Rated carriers
Free
Quote & comparison
Coverage that fits your season of life.
01
New homeowners
Locking in mortgage-matching coverage while premiums are lowest.
02
Growing families
Making sure a mortgage never becomes a burden for the surviving spouse.
03
Refinancers
Re-aligning coverage after refinancing to a new balance or term.
Why families choose AspenPoint for this coverage.
Coverage that matches your loan
Decreasing or level term structured to line up with your mortgage payoff schedule.
Living benefits included
Many modern policies pay out for chronic, critical, or terminal illness — not just death.
Return of premium option
Some plans return your premiums at term end if the policy isn't used. We'll price both options.
Rate-locked for the term
Premiums stay level for the life of the policy — no surprise increases.
03 — Coverage options
Plans we help you compare.
Decreasing Term
Coverage amount decreases each year alongside your mortgage balance. Lowest monthly premium.
Level Term
Coverage stays constant for the term, giving your family a lump sum they can use for the mortgage or anything else.
Return of Premium
Higher premium, but any unused premium is returned at the end of the term. Popular with younger buyers.
Understanding this coverage.
Mortgage protection is really just life insurance structured around your home loan. The two most common approaches are decreasing term (which mirrors your loan balance) and level term (which pays out the full amount regardless of how much you still owe).
Level term is more flexible: your family can use the payout for the mortgage or redirect it to living expenses, tuition, or investments. Decreasing term is usually cheaper but limits what the payout can do.
Most homeowners are best served by comparing mortgage protection against a straight term life policy. Sometimes traditional term costs less for the same effective coverage. We'll show you both.
Frequently asked
Clear, straightforward answers from a licensed advisor. If yours isn't here, we're a phone call away.
Isn't this the same as PMI?+
Do I have to buy it through my lender?+
What if I refinance?+
Can I combine this with regular life insurance?+
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Keep your family in your home.
Free quote in 24 hours from A-rated carriers.