97.3%

Applicants qualify

For Homeowners Ages 30–55

Your Family Has61 Days Before the First Notice Arrives

Your mortgage doesn't pause when you're gone. The bank keeps billing. Protect your home with a plan that pays your family directly, rate in 60 seconds, no exam required.

← Takes only 45 seconds

Check Your Coverage Options

Takes 60 seconds, with no commitment required.

Are you a homeowner?

Step 1 of 9, confirm your situation

Yes, I own my home

I'm buying soon

I'm renting / not yet a homeowner

Roughly, what's left on your mortgage?

Step 2 of 9, ballpark is fine

This just helps us match your coverage to what you owe, so there's no gap for your family.

Under $150,000

$150,000 – $300,000

$300,000 – $500,000

$500,000+

How many years left on your mortgage?

Step 3 of 9, matches your coverage term

Your coverage term should match how long you have left on your mortgage. 20 years left? A 20-year term covers your family for the full duration.

1–5 years

5–10 years

10–20 years

20–30 years

What's your age range?

Step 4 of 9, age is the biggest factor in your rate

Under 35

35–45

46–55

56–65

66+

What's your gender?

Step 5 of 9, insurers rate men and women separately

Life insurance rates are calculated separately for men and women. Every application asks for it.

Male

Female

Do you use tobacco?

Step 6 of 9, affects your monthly premium

Tobacco use affects your rate. Non-tobacco users typically pay 30–50% less per month. Either way, most applicants still qualify.

No tobacco use

Yes, I use tobacco

How's your health these days?

Step 7 of 9, helps match you to the right carrier

Most plans use simplified underwriting, so a health condition doesn't disqualify you, it just helps your agent match you to the right carrier.

No, I'm in good health

Yes, a manageable condition (like diabetes or high blood pressure)

Yes, something more serious

Who would this coverage go to?

Step 8 of 9, usually whoever would keep making the mortgage payment

Your beneficiary receives the payout that covers the mortgage. Most people name the co-borrower or spouse. You can change it later.

My spouse or partner

My children

Another family member

I haven't decided yet

Last step, where should we send your options?

A licensed agent will reach out within 48 hours to walk through your options, free of any pressure or obligation.

Best time for your agent to reach you?

Morning

Afternoon

Evening

Anytime

By submitting, you agree that Clearpath Quote will match you with one licensed insurance agent, who will contact you by phone, text, or email regarding mortgage protection insurance coverage — including by automatic telephone dialing systems and prerecorded or artificial voice messages. Consent is not a condition of purchase. Msg & data rates may apply. You may opt out at any time.

You're All Set

A licensed agent will call within 48 hours to walk through your mortgage protection options — there's no pressure or obligation to move forward.

0Homes protected this month

$41.20Avg monthly costjust $1.37/day

97.3%Approval rate

52–68 hrsTime to coverage

How It Works

Tell Us About Your Mortgage

Answer 4 quick questions about your home and coverage needs — we only ask for personal info once you're ready.

Get Your Protection Rate

Within 48 hours, a licensed agent calls with a rate matched to your exact mortgage balance and term, laying out your options without any pressure.

Your Home Is Covered

Choose your plan and pay your first month — your home is protected within the same week, without a long underwriting wait.

Sixty-One Days before the first foreclosure notice arrives.

"Back at work in 11 days. Not by choice."

Marcus died on a Wednesday. He was 43. Cardiac event. Gone by the time the paramedics arrived.

His wife was back at work eleven days later. Not because she'd processed anything, because the mortgage was due and she was the only income left in the house.

They'd talked about getting covered. They just kept putting it off. The car needed work. The kids had camp. A $44/month decision that never made it to the top of the list.

Sixty-one days after the funeral, the first foreclosure notice arrived. The kids changed schools twice that year. She sold the house in month nine.

The mortgage didn't care that she was still grieving. Neither did the bank. For $44 a month, the house would have stayed. The kids would have stayed. So would she.

Don't leave that decision to chance. See your rate in 60 seconds →

Find Out What Mortgage Protection Could Cost You

Age Range

Mortgage Balance

Term Remaining

Estimated Monthly Cost

$28 – $44/mo

Protects your full mortgage balance · Exact rate set by licensed agent

Why Mortgage Protection

Your family keeps the house. Not the debt.

Coverage sized to match exactly what you owe. If something happens to you, your family inherits the home, not the mortgage payments.

Your kids stay in the same school. Same neighborhood.

One of the most painful parts of losing a parent isn't just financial. It's the upheaval. Mortgage protection keeps the address the same while everything else changes.

Coverage that scales with your balance

Match your term to your mortgage. As your balance decreases, your protection stays aligned. No excess. No gaps.

Quotes from top-rated carriers including

Mutual of Omaha

Transamerica

AIG

Foresters

Protective Life

Banner Life

Common Questions

What happens to my mortgage if I die?

The balance doesn't disappear, the bank pursues it from your estate. Without coverage, your family may have as little as 60 days before they're forced to sell. This policy pays a lump sum directly to your family, not the bank, so they can decide what to do with it.

Is this the same as PMI?

No. PMI (Private Mortgage Insurance) protects the lender if you default. Mortgage protection insurance pays your family, not the bank, so they can choose how to use it, whether that's paying off the mortgage or covering other costs.

Do I need a medical exam to apply?

Most homeowners ages 30–55 qualify with just a brief health questionnaire, no blood draw, no doctor visit. An agent will walk you through exactly what's required based on the coverage amount you choose.