Mortgage Protection Plans That Help Your Family Stay in Your Home
Choose coverage designed to protect your home and give your family financial stability if something unexpected happens.
At Ashley Insurance Agency, we help homeowners compare mortgage protection plans from over 20 top A-rated insurance companies.
In a simple 15–20 minute phone appointment, you can review your options, choose a plan that fits your budget, and apply with no physical exam required.
Your coverage stays with you—even if you refinance or move.
✔ 20+ A-Rated Insurance Companies
✔ No Medical Exam Required
✔ 15–20 Minute Phone Appointment
Our Services
Compare Your Mortgage Protection Options
Mortgage protection isn’t one-size-fits-all. You can choose the type of coverage that best fits your home, your budget, and what you want your plan to accomplish for your family.
Full Mortgage Protection
Covers the entire remaining mortgage balance
Pays off the home completely
Removes the mortgage payment entirely
Provides maximum long-term security
Best for: Homeowners who want their family to own the home free and clear
Partial Mortgage Protection
Covers a portion of the mortgage balance
Reduces the financial burden
Makes monthly payments more manageable
Keeps coverage more affordable
Best for: Homeowners looking for a balance between protection and budget
Mortgage Payment Protection
Covers monthly payments for a set period (1–3 years)
Helps cover payments during a transition period
Gives your family time to adjust financially
Lower cost option with meaningful support
Best for: Homeowners who want short-term financial breathing room
Each option is designed to give your family flexibility and support when it matters most.
Our Methods
What Makes Our Mortgage Protection Plans Different
Not all mortgage protection coverage is the same. The way your policy is set up—and who you work with—can make a significant difference in how well your family is protected.
Coverage That Protects Your Family—Not the Lender
Your policy is designed to benefit your loved ones directly.
The payout goes to your beneficiaries
Your family decides how the money is used
Not tied to your lender or loan
Coverage That Stays With You
our policy is built to follow you—not your mortgage.
Keep your coverage if you refinance
Keep your coverage if you move
No need to start over with a new policy
Access to 20+ A-Rated Insurance Companies
Instead of being limited to one company, you can compare multiple options.
More flexibility
More pricing options
Better fit for your situation
Simple, No-Exam Application Process
Getting covered doesn’t have to be complicated.
Quick 15–20 minute phone appointment
Streamlined application
No physical exam required in many cases
The goal is simple: make it easy to put the right protection in place for your family.
Attractive plans
Living Benefits: Coverage You Can Use While You’re Alive
Many mortgage protection plans include Living Benefits, which means your policy may be able to help you financially while you’re still living if you experience certain serious health conditions.
This adds an extra layer of protection. Not just for your family, but for you.
Terminal Illness Benefit
If you are diagnosed with a condition with 12 months or less to live, you may be able to access part of your policy early.
Helps cover medical costs
Supports your family financially
Provides flexibility during a difficult time
Critical Illness Benefit
If you experience serious conditions such as:
Heart attack
Stroke
Cancer
You may be able to access funds from your policy to help with recovery and expenses.
Chronic Illness Benefit
If you become unable to perform basic daily activities, your policy may provide financial support.
This includes situations where assistance is needed with:
Bathing
Eating
Dressing
These benefits are designed to provide financial support when it’s needed most—during recovery, not just after loss.
what is best?
How Much Coverage Do You Need?
The right amount of mortgage protection depends on your mortgage, your budget, and what you want your coverage to do for your family.
Some homeowners want enough coverage to pay off the entire loan. Others prefer coverage that helps reduce the burden or covers payments for a period of time.
Start with Your Mortgage Balance
A good place to begin is your current mortgage balance.
If your main goal is to leave your family with the home paid off, full mortgage protection may make the most sense.
Consider the Monthly Payment
For some families, the bigger concern is not paying off the loan all at once—it is making sure the monthly payment stays manageable.
In that case, payment protection or partial coverage may be the better fit.
AThink About Your Family’s Financial Situation
Ask yourself:
Would your family want to stay in the home long-term?
How much financial pressure would they face without your income?
Would paying off the mortgage completely make the biggest difference, or would reducing the payment be enough?
Choose a Plan That Fits Your Budget
The best coverage is coverage you can comfortably keep in place.
A strong plan should:
provide meaningful protection
fit your monthly budget
match your long-term goals
A short phone appointment can help you quickly narrow down the right amount of coverage for your situation.
Attractive plans
Who These Mortgage Protection Plans Are Best For
Mortgage protection plans can be a strong fit for homeowners who want to make sure their family has financial support if something unexpected happens.
While every situation is different, these plans are often a good fit for people who want simple, flexible protection tied to a real financial responsibility.
Owners With a Mortgage to Protect
If your family depends on your income to help keep up with the mortgage, this type of coverage can help create a financial safety net around the home.
Families Who Want to Stay in the Home
Many homeowners choose mortgage protection because they want their loved ones to have the option to remain in the home without immediate financial pressure.
People Looking for a Simple Application Process
For homeowners who want straightforward coverage, mortgage protection plans can be appealing because the process is often quick and does not require a physical exam.
Owners Who Want Flexible Coverage Options
These plans can work well for people who want to choose between full protection, partial protection, or monthly payment support depending on their budget and goals.
If protecting your family’s ability to stay in the home is one of your priorities, mortgage protection may be worth exploring.
simplicity
How the Process Works
Getting mortgage protection coverage is usually much simpler than most homeowners expect. In many cases, the process can be completed in a short phone appointment, with no physical exam required.
The goal is to make it easy to review your options, choose a plan that fits your needs, and apply with confidence.
Step 1: Review Your Options
A licensed agent will walk you through the mortgage protection plans that fit your situation, budget, and goals.
This helps you understand the differences between full coverage, partial coverage, and payment protection before making a decision.
Step 2: Complete a Simple Application
Once you choose a plan, the application is completed with basic personal, health, and coverage information.
In many cases, the process is streamlined and does not require a physical exam.
Step 3: Underwriting and Approval
After the application is submitted, the insurance company reviews the information provided.
Some policies can be approved quickly, while others may require a little more review depending on the carrier and the situation.
Step 4: Coverage Begins
Once approved, your policy goes into effect and the protection you selected is in place for your family.
Most homeowners are surprised by how fast and straightforward the process can be.
FAQ's
Want to see how simple the process can be?
Q: Can I Keep My Coverage if I Refinance or Move?
Yes. Mortgage protection coverage is designed to stay with you, not the lender.
If you refinance or move, your policy can continue protecting your family.
Q: Do I Need a Medical Exam?
In many cases, no physical exam is required.
The application process is often simple and streamlined, which makes it easier to review your options and apply.
Q: Does the Benefit Go to My Family or the Bank?
The benefit goes to your beneficiaries, not the lender.
That means your family can decide how to use the money based on what they need most.
Q: Can I Choose a Plan That Fits My Budget?
Yes. Mortgage protection plans can often be structured in different ways, including full coverage, partial coverage, or payment protection.
This gives homeowners flexibility when choosing a plan.
Q: How Long Does It Take to Get Started?
Getting started is simple. A short phone appointment is often all it takes to review your options and begin the application process.
Clear answers make it easier to compare plans with confidence.
Protect Your Home With Coverage Built for Your Family
Mortgage protection insurance can help create financial stability for the people who matter most.
If you want to explore your options, compare coverage, or get answers to your questions, Ashley Insurance Agency makes the process simple.
Our phone appointments usually take about 15–20 minutes, and in many cases, no physical exam is required.
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