Explore life insurance coverage designed to help protect your family's financial future if you're no longer there.
Coverage options from leading insurance carriers
Move the sliders to explore an educational estimate. It doesn’t determine eligibility or pricing — a licensed professional handles that.
Suggested coverage range
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Based on your balance, an income cushion of up to a few years of payments, and the extra protection you selected — $335,000 to $465,000.
This tool provides a general educational estimate only. It is not financial, insurance, tax, or underwriting advice, and it does not determine eligibility, approval, or a premium. Actual coverage, availability, and pricing are determined by the issuing carrier through its underwriting process.
Mortgage protection is life insurance that people size around their mortgage. If you pass away while the policy is in force, the death benefit is paid to your named beneficiary — not to your lender.
Because it’s life insurance, your beneficiary can generally use the proceeds as they choose according to the policy terms: paying down the loan, keeping up monthly payments, or covering other household costs.
Mortgage protection insurance is life insurance. The death benefit is paid to the beneficiary, who can generally use the proceeds as needed according to the policy terms. JRF GROUP is not your mortgage lender, mortgage servicer, a government agency, or your existing insurance provider, and has no relationship with your lender.
Mortgage protection tends to fit people whose family would feel the loss of their income — especially where a home is involved.
They’re both life insurance — mortgage protection is simply a way of framing the coverage. A licensed professional can help you decide what fits.
Still unsure? A licensed professional is happy to walk through it with you.
No. Private mortgage insurance (PMI) protects the lender and is arranged through your mortgage. Mortgage protection here is life insurance you own — the death benefit is paid to your beneficiary, who decides how to use it. JRF GROUP has no relationship with your lender.
Your named beneficiary. They can generally use the proceeds however they choose according to the policy terms — paying down the mortgage, keeping up monthly payments, or covering other household expenses.
Not necessarily. Because it's life insurance paid to your beneficiary, the proceeds are generally theirs to direct as needed, subject to the policy terms.
Many people start with their remaining mortgage balance and add a cushion for monthly payments or lost income. Our estimate tool can help you think it through, but a licensed professional can tailor it to your situation.
Coverage and pricing are determined by the issuing carrier through underwriting. We can help you compare options across carriers based on your health, budget, and goals — but no approval or premium is guaranteed before underwriting.
It takes a couple of minutes to see coverage options built around your situation. No pressure — just clarity.
