Term life sized to your mortgage — that pays your family, not the bank, and pays you if a serious illness stops your income.
of foreclosures followed a health crisis the owner survived (widely-cited Harvard-affiliated study) — cancer, heart attack, stroke.
follow a death. The bigger risk to your home is surviving something expensive.
Living-benefit riders are often built in at no extra premium.
| Lender's mortgage insurance | Level term + living benefits | |
|---|---|---|
| Who gets the check | Your mortgage lender — directly. | Your family. They choose what to do with it. |
| The benefit over time | Shrinks with your balance; premium doesn't. | Stays level for the full term. |
| If you get sick | Nothing. It only pays at death. | Critical, chronic & terminal riders pay you while living. |
| If you move or refinance | Often dies with the loan. | Follows you — it's your policy, not the house's. |
| Price for what you get | More per dollar — no underwriting. | Less — priced on your actual health, shopped across 20+ carriers. |
Then run the scenario most policies never talk about.
level for the full term · your family is the beneficiary · paid income-tax-free
12–24 mo prognosis unlocks most of the benefit
2 of 6 ADLs — same trigger as the Care Shield
lump sum on heart attack, stroke, invasive cancer
Accelerations reduce the death benefit and may be subject to carrier limits, discounting, and administrative fees. Hypothetical illustration only.
This page is arithmetic on the figures you entered. The actual rate comes from underwriting and the carrier's illustration — that's the fifteen-minute call, and I'll shop it across 20+ carriers.
Get my numbers — 15 min