A little clarity before your conversation

Life insurance.
Your mortgage.
Made clear.

Your home is more than a mortgage. Learn how life insurance may help the people you love manage what comes next—and feel ready to talk with a licensed agent.

Get ready for your call

Already sent your request? You don't need to fill out the quiz again.
Requesting information does not put insurance coverage in place.

Ask questions freelyUnderstand before you decide.

Keep your budget in viewDiscuss a premium you can sustain.

Take the next step informedA request is not a commitment to buy.

The idea, in plain English

Life insurance can help a family
keep moving forward.

If a covered death occurs while a policy is in force, the insurer pays the death benefit according to the contract. With an individually owned policy that names your family as beneficiaries, they can generally decide how to use that money.

01 / THE HOME

Help with the mortgage

Beneficiaries may use proceeds toward mortgage payments or the loan balance, giving them choices about the home.

02 / EVERYDAY LIFE

Support beyond one bill

Depending on the benefit amount, proceeds may also help with living expenses, other debts, or final expenses.

03 / YOUR PRIORITIES

Build around your situation

A licensed agent can help you compare the amount, duration, policy terms, and cost against your family's needs.

One important distinction: “Mortgage protection” describes a goal here—using life insurance to help with mortgage-related needs. It is not a promise that a policy will automatically pay off your home, cover missed payments, or pay every claim.

Know what you're comparing

Not the same as the mortgage insurance on your loan.

The names can sound similar. Ask the agent who receives the benefit, what event triggers payment, and exactly what the policy covers.

Start with the need. Consider the mortgage alongside income, savings, dependents, and coverage you already have.
Compare like for like. Check benefit amounts, premium guarantees, coverage length, exclusions, and any optional riders.
Read before you replace. Don't cancel an existing policy until replacement coverage is in force and you've reviewed the differences.

LIFE INSURANCE

Designed around a covered death

Term life provides coverage for a specified period. Other life insurance types have different features and costs. The beneficiary designation and policy determine how benefits are paid.

PMI / LENDER MORTGAGE INSURANCE

Designed to protect the lender

Mortgage insurance on a loan generally protects the lender if the borrower defaults. It is not the same as life insurance intended to provide money after a covered death.

BEFORE YOU BUY

Know what is—and isn't—included

Life insurance generally doesn't pay simply because you lose your job or miss a mortgage payment. Any additional benefits depend on the specific policy or rider and its terms.

Your next step

A useful conversation.
A decision on your terms.

If you submitted a request, keep your phone nearby. A licensed insurance agent may follow up using the contact information you provided to discuss available options.

Share what you want to protect.

Talk through your mortgage, existing coverage, and the people who depend on you.

Ask for the details in writing.

Review the insurer, benefit amount, premium, duration, exclusions, and when coverage would begin.

Choose only when it makes sense for you.

An application may require health information and underwriting. A request, quote, or phone verification is not approval or coverage.

Call about your request Read the answers first

Secure Home Life: (734) 390-4801. Ask to speak with a licensed insurance agent for policy advice. Contacting us does not require you to purchase insurance.

A two-minute head start

Bring these to the call.

No documents to upload here. Just a few things to have in mind.

My approximate mortgage balance and monthly payment Any life insurance I already have, including through work A monthly premium range that feels comfortable The people I would want to name as beneficiaries

0 of 4 items ready

This checklist stays on this page and isn't submitted or saved. Don't send Social Security numbers, payment details, or medical records through this page.

A few things worth knowing

Clear answers before the call.

Am I already covered because I completed the quiz?

No. Completing a quiz, verifying a phone number, receiving a quote, or submitting an application does not by itself create insurance coverage. Coverage begins only when the insurer's requirements are satisfied and the policy becomes effective.

Does my family have to use the money to pay off the mortgage?

For a life policy naming your family as beneficiaries, they can generally choose how to use the death benefit. A policy naming a lender, or one with an assignment, may work differently. Ask who receives the benefit and whether it stays level or changes over time.

Will I need a medical exam?

It depends on the insurer, product, amount of coverage, and your circumstances. Some applications may not require an exam, but health questions, records, or other underwriting may still apply. Approval is not guaranteed.

What will it cost, and can the premium change?

Rates depend on factors such as age, health, tobacco use, coverage amount, policy type, and underwriting. Ask for the premium, how long it is guaranteed, what happens afterward, and the cost of any riders. This page does not quote a rate.

What happens when a term policy ends?

Term coverage is for a specified period. At the end, coverage may end or renewal or conversion options may be available under the contract. Premiums can be higher on renewal. Ask about these provisions before buying.

What should I ask about exclusions and waiting periods?

Ask the agent to explain any exclusions, limitations, contestability provisions, suicide exclusion, and any waiting or graded-benefit period that applies. Not every policy has the same terms. The actual policy controls eligibility for a claim and the amount payable.

Is Secure Home Life an insurance company or my lender?

No. Secure Home Life is a referral service, not an insurer, insurance agency, lender, or government program. Licensed agencies and agents discuss insurance options; the applicable insurer issues any policy. We are not affiliated with your mortgage lender or a government benefit program.

You don't need all the answers yet.

Start with your questions. A licensed agent can explain the options and policy terms so you can make an informed choice.

Prepare for the conversation

Independent consumer resources: NAIC Life Insurance Buyer's Guide · CFPB explanation of mortgage insurance. These organizations do not endorse Secure Home Life.