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Mortgage protection insurance is an excellent tool for families who are reliant on one or two incomes to keep their household financially secure. It’s particularly helpful for those who:
While it’s true that life insurance can cover many of the same needs, mortgage protection insurance is more tailored toward protecting your home. It’s a more affordable option for those who want the assurance that their mortgage will be paid directly in times of need.
When difficult times strike, mortgage protection insurance can be the safety net that prevents your family from losing one of their most important assets — their home. By covering your mortgage payments during periods of illness, injury, job loss, or death, it ensures your family remains secure and can continue living in the place they call home.
Financial hardships are already stressful enough. With mortgage protection insurance, you can have peace of mind knowing that no matter what happens, your family’s home is safeguarded. It’s an investment in stability and security, allowing you to focus on what truly matters during life’s most challenging moments.
Looking for affordable insurance options? Look no further than. We offer competitive rates and discounts on a variety of insurance products.
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A. Mortgage protection insurance (MPI) is a specialized type of life insurance that pays off your remaining mortgage balance if you pass away during the term of the policy. This ensures that your family won’t have to worry about making mortgage payments during an already difficult time.
A. Most homeowners can apply for mortgage protection insurance. It’s an excellent choice for individuals or families who rely on one income to cover mortgage payments or for those who want to ensure their home is paid off if the unexpected happens.
A. Many of our policies do not require a medical exam. With The Aeternus Agency, you can often obtain coverage quickly and easily without going through complicated medical testing.
A. While regular life insurance provides a fixed death benefit for any purpose, mortgage protection insurance is specifically designed to cover your remaining mortgage balance. The coverage amount decreases as you pay down your mortgage, which often results in more affordable premiums compared to traditional life insurance policies.
A. Yes! The Aeternus Agency offers optional riders that can help cover your mortgage payments if you become disabled or unemployed, providing extra peace of mind during unforeseen circumstances.
A. The policy is typically structured to match the term of your mortgage, whether it's 15, 20, or 30 years. Once your mortgage is paid off, the policy will expire, or you may choose to update your coverage based on your needs.
A. The cost of mortgage protection insurance depends on factors such as your age, health, mortgage amount, and whether you add optional riders like disability or unemployment protection. At The Aeternus Agency, we’ll help you find a plan that fits your budget.
A. If you pay off your mortgage early or refinance, it’s essential to update your MPI policy. The Aeternus Agency can help you adjust your coverage to match your new mortgage terms or, if no longer needed, help you transition to other life insurance options.
A. If the mortgage is already paid off at the time of your passing, any remaining benefits from the policy may be directed to your family or estate, depending on the terms of the policy.
A. You can easily apply by emailing us at Contact@aeternusagency.com, or visiting our website at www.Aeternusagency.com. One of our experienced agents will guide you through the application process and help you select the right policy for your needs.
A. At The Aeternus Agency, we specialize in mortgage protection insurance, offering flexible plans that can be customized to fit your specific mortgage and family needs. Our experienced agents work closely with you to ensure you have the right protection in place.
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