Online Mortgage Protection Insurance

Written by Buy Mortgage Protection

In this article, we will help you understand why shopping for online mortgage protection insurance is the best decision you can make. It will save you money, it will save you time, and you’ll get your home and family protected with a best-rated insurance company.

How to get an online mortgage protection quote

Many insurance companies and insurance agencies have a page on their website offering mortgage protection insurance or mortgage protection quotes. One page on their website out of hundreds of pages; do you think that they are experts in mortgage protection, or do you think they are simply trying to get your information to sell you whatever insurance products they offer?

Mortgage protection isn’t a one size fits all insurance policy.

Other online insurance agencies will take the information that you’ve entered into their customer contact form on their website, and sell your information to insurance agents. This is very common in the insurance industry, and especially common with Internet Marketing Organizations (IMO’s) and multi-level marketing (MLM) structured insurance agencies.

When you submit your information to an IMO or MLM insurance agency, your information is often sold to an individual insurance agent, who will come out to your home and try to sell you a mortgage protection policy. Rarely will they offer you a quote over the phone or email.

What do we do differently?

We operate 100% online. Doing so allows us to focus 100% on mortgage protection, not other insurance products. It means we’re helping people get their homes mortgages protected every day. With that time and focus, our expertise level is unparalleled in the industry.

Unlike other insurance companies or agencies, we don’t buy or sell your information. When you ask for a quote your information is 100% confidential. We won’t spam email you, we won’t send mortgage protection offer letters to your mailbox, and we won’t send an inexperienced insurance agent to your home to sell you mortgage protection.

How do I get the best-priced mortgage protection?

At, our only focus is helping people get their homes protected so when a loved one dies, the remaining family members can keep the home.

When shopping for specific insurance, you should go to people or companies that specialize in what you’re looking for.

Also, do not purchase your mortgage protection insurance from agents who funnel clients into one or two specific insurance companies.

Why would an insurance agent funnel me into one or two insurance companies?

Most mortgage protection agents selling for insurance companies pay for their “leads”. That mortgage protection letter you sent in with your personal information is called a “lead,” and it will be sold to one or multiple insurance agents.

That telemarketing phone call, where you answered and gave them your personal information about your mortgage, is now called a “lead,” and it will be sold to one or multiple insurance agents; we don’t do that!

What do we do differently?

To get the best rates for our clients, we will help you with fully underwritten insurance policies. This means you must submit a blood and urine sample, but you will get the best rates available in the insurance industry by doing so.

Because we do not funnel our clients into specific insurance carriers, we have more options available than simplified issue policies and fully underwritten policies.

We also have access to insurance companies that will issue insurance policies on a simplified basis up to standard and preferred health levels (versus a table 4 simplified issue policy), without a medical exam. This gets you the best mortgage protection rates, without having to submit to a blood and urine test.

Here are how rates would differ with different insurance companies and health conditions for a 40-year-old male.

Insurance CompanyNon-MedicalTable RatingClient AgeTermFace AmountMonthlyYearly
Company AYesTable 44020 Years$250,000$84.32$997.00
Company BYesStandard Non-Tobacco 4020 Years$250,000$34.79$404.58
Company BYesPreferred4020 Years$250,000$21.97$255.44
Company BYesSelect Preferred4020 Years$250,000$17.97$208.30

Here are how rates would differ with different insurance companies and health conditions for a 60-year-old male.

Insurance CompanyNon-MedicalTable RatingClient AgeTermFace AmountMonthlyYearly
Company AYesTable 46020 Years$250,000$442.46$5,127.00
Company BYesStandard Non-Tobacco 6020 Years$250,000$204.01$2,372.72
Company BYesPreferred6020 Years$250,000$127.77$1,485.97
Company BYesSelect Preferred6020 Years$250,000$112.80$1,311.94

Simplified issue insurance policies up to standard and preferred health levels are convenient for our busy customers. We can get you great pricing, with no extra medical appointments on your end. Your MLM agent does not have access to these insurance companies.

I want the best mortgage protection pricing

If you want the best pricing and you are healthy, we will look at a fully underwritten policy including a medical exam. Most mortgage protection insurance agents won’t do this for you. It’s not profitable for them with their expensive lead costs, and mortgage protection insurance companies encourage agents not to offer these insurance products to their clients.

What if I have health issues?

If you have significant health issues, a simplified issue mortgage protection policy up to table 4 is appropriate. However, if you are healthy and were sold a mortgage protection policy up to table 4, then that is an inappropriate policy, and you are paying too much.

We do things differently

We believe if we treat you fairly, are honest, and get you the best pricing available, you will come back to us in following years. We also believe you will refer us to your family and friends. This is good business, and this business never has to be purchased through leads!

We also don’t pressure our clients into purchasing products they don’t need or sell them overpriced mortgage protection policies. We make sure our customers understand what their plan costs and why we recommended it to them.

About 75% of the time, our customers are surprised to find out they don’t have what they think they had with their insurance coverage, or are surprised to find there were better options available. We make sure our customers know what they are purchasing, as well as all policy inclusions and exclusions.

We are happy to be a 100% independent insurance agency, and not an IMO or MLM insurance agency. This gives us greater freedom to serve our clients better, and get them the best pricing for the mortgage protection insurance they so desperately need.


We work with individuals across the nation to secure the best mortgage protection rates.

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