For homeowners with a mortgage

If you die, it pays. If you're sick, it pays. Neither? Good. Get your money back.

Protection that pays off your home if you die or get seriously ill, and gives your money back if you never use it.* Watch the short video below to see how it works.

Watch this first.

$0Cost to check
7Quick questions
YouPick the call time
NoObligation to buy

Got a mortgage and people who count on you?

Your house payment doesn't stop when your paycheck does.

If something happened to you tomorrow, the mortgage bill still shows up next month. And the month after that.

Then your family has three choices:

  1. Pay it out of savings, while they grieve.
  2. Sell the home you worked for.
  3. Move out, and the kids change schools.

None of those is a plan. And most of the coverage people count on wasn't built for this job. Keep reading.

The fix

One plan. Three ways it pays.

It's life insurance made to match your home loan. Think of it as a safety net under your house.

If you die

Your family keeps the house.

The policy pays your family money they can use to pay off the mortgage. The money goes to them, not the bank.

If you get very sick

You get help while you're alive.

On some plans, you can get part of the money early for a serious illness, like a heart attack, cancer or stroke. Varies by plan and state.*

If neither happens

Good. Get your money back.

With the money-back option, keep the plan for its full term and you get back the base premiums you paid.*

In the video, you'll see:

  • What happens to your house if something happens to you
  • Why the bank's insurance protects the bank, not your family
  • How the money-back option works, fine print included*
  • Why your age today matters
See If I Qualify

Why this is different

How it stacks up against the usual options

Every option has a job. Here's what each one actually does for your family.

The bank's mortgage insurance (PMI)

  • If you die: It doesn't pay off your home. PMI protects the lender if loan payments stop, not you.
  • If you get sick: No help for you.
  • If you never use it: Nothing back.

Life insurance through work

  • If you die: Pays, while you still work there.
  • The catch: It usually ends when you leave or lose the job.
  • If you never use it: Nothing back.

Plain term life insurance

  • If you die: Pays your family during the term.
  • Cost: Usually the lowest price.
  • If you never use it: Nothing back.

Doing nothing

  • If you die: Your family pays, sells or moves.
  • Cost: $0 a month, until it's needed.

What we help with

Mortgage protection with the money-back option

  • If you die: Pays your family, so they can pay off the house.
  • If you get very sick: Some plans pay part early.*
  • If you never use it: Base premiums back when you keep it the full term.*
  • Honest trade-off: It costs more than plain term coverage.

What stops most homeowners

Three things people believe that aren't quite true

Belief "Life insurance is money down the drain."

Truth Not with the money-back option. Keep it the full term and never use it, and your base premiums come back.*

Belief "I probably won't qualify, or I can't afford it."

Truth You won't know until you check. Price depends on your age, health and coverage. Checking costs $0.

Belief "My bank or my job already has me covered."

Truth PMI protects the lender. Work coverage usually ends with the job. We can look at what you have and show you any gap.

See If I Qualify

Here's the offer

The Free Home Protection Check

One short call with a licensed agent, at the time you pick. Here's everything you get.

  • A check to see if you qualify. A few health questions. A straight answer.Included
  • A plan sized to your mortgage. Coverage made to fit your loan and how long it lasts.Included
  • Real prices for your age and health. Not a guess. Not a teaser rate.Included
  • The money-back option, explained. Fine print included, in plain English.*Included
  • A look at what you already have. Work or bank coverage, side by side, so you can see any gap.Included
  • Options from more than one company. [KEEP ONLY IF TRUE: carriers we can quote]Included
  • A call at the time you pick. Morning, afternoon or evening. From a licensed agent.Included
Your cost to check$0
Get My Free Rate Check

Why is it free? Checking is how we find out if we can help you. If we can't, we'll tell you.

How it works

Three simple steps.

  1. Answer 7 quick questions. Three taps, then first name, ZIP, phone and best time to call.
  2. A licensed agent calls you at that time. Plain English. No pressure.
  3. Pick a plan that fits, or don't. You never have to buy anything.

Our no-pressure promise

You can't lose by checking.

  • Checking costs you nothing.
  • You never have to buy anything.
  • If this isn't right for you, we'll tell you straight.
  • Say "stop" anytime, and we won't call again.

Why check now, not "someday"

  • Your price is based on your age today. Older usually means higher.
  • Your health can change. If it does, you may not qualify later.
  • Your family is counting on you right now. The mortgage is already here.

Free Home Protection Check

See if you qualify

7 quick questions. A licensed agent calls you at the time you pick.

Do you have a mortgage on your home?

When would you like coverage in place?

Your age

Best time to call

Only PolicyLifeline will contact you. We never sell your info.

Licensed life insurance agent. License #: [LICENSE # PLACEHOLDER]. Licensed in: All 50 states. Not all applicants qualify.

Straight talk

Is this right for you?

Good fit if

  • You have a mortgage
  • People count on you to help pay for it
  • You want your money back if you keep it the whole time and never use it*

Maybe not if

  • No one depends on you for the house
  • You only want the lowest price. The money-back option costs more.
  • You may end the plan early. Then you usually don't get your money back.

Questions

Straight answers to the questions people ask

Will I get spammed with calls? Will you sell my info?

No. We never sell your info. Only PolicyLifeline will contact you, at the time you pick. Reply STOP to any text, or ask us to stop, and we'll stop.

I already have life insurance, or coverage through work. Do I need this?

Maybe not. Work coverage usually ends if you leave or lose the job, and it may not be enough to cover the house. On the call we look at what you have. If you're already covered, we'll tell you.

Isn't this the same as the PMI my bank makes me pay?

No. PMI (private mortgage insurance) protects your lender if loan payments stop. It doesn't pay off your home if you die, and it doesn't pay your family. This plan is life insurance that pays the people you choose.

Is the money back real? What's the catch?

It's real, with rules. Keep the plan for its full term and pay every premium, and you get back the base premiums you paid. Add-ons and fees may not be refunded. End it early, and you get back less or nothing, depending on the plan. It costs more than plain term coverage. It's a refund, not interest or an investment. Details vary by plan and state.

How much does it cost?

It depends on your age, health, the coverage amount and how long you want it. The money-back option costs more than basic coverage. You'll see real prices for you on the call. No guesses.

What if I have health issues?

You may still have options. Some plans are made for people with health issues, sometimes with a higher price or lower coverage. Not everyone qualifies.

Do I need a medical exam?

Not always. Some plans don't need one. Approval may depend on your answers to health questions.

What does "if you're sick, it pays" cover?

On some plans, add-ons (called riders) can pay part of the money early if you're diagnosed with a covered critical illness (like a heart attack, cancer or stroke), a chronic illness, or a terminal illness. Money paid early usually lowers what's paid later. What's covered varies by plan and state.

What if I sell my home or refinance?

The plan is usually tied to you, not to your loan, and pays the people you name, not the bank. So it can often stay with you if you sell or refinance. It varies by plan.

Is the agent licensed?

Yes. License #: [LICENSE # PLACEHOLDER]. Licensed in: All 50 states. You can check any agent's license on your state's Department of Insurance website.

How fast can coverage start?

It depends on the plan and the insurance company. Some plans can be approved quickly; others need more steps, like an exam. You're covered only once the company approves you and the policy starts.

What happens after I submit the form?

You get a call at the time you picked. It's short and in plain English: a few questions, your options and prices, and then you decide. No pressure.

Is this a government program or from my lender?

No. PolicyLifeline is not part of your lender or any government agency. It's private life insurance offered through a licensed agent.

If you die, it pays. If you're sick, it pays.*

Neither? Good.
Get your money back.*

Find out what you qualify for. It's free to check.

See If I Qualify

P.S. Your price is based on your age and health today. Every birthday can raise it, and if your health changes you may not qualify later. Checking costs nothing and takes 7 quick questions. That's the only reason to do it now.