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Frequently Asked Questions
Common Questions Answered for your convenience.
1. What is mortgage protection insurance?
Mortgage protection is a type of life insurance designed to help pay off your home loan if you pass away or become critically ill. It ensures your family can stay in the home without financial stress.
2. How is this different from regular life insurance?
Unlike traditional term policies, our strategies use Indexed Universal Life (IUL) policies that not only provide protection — they can also grow tax-free cash value over time, giving you access to funds while you’re alive.
3. Can I use this to pay off my mortgage early?
Yes. With the right plan, your policy can grow enough cash value to take tax-advantaged loans, which can be used to reduce or even eliminate your mortgage balance faster.
4. What happens if I don’t die during the term?
That’s the best part. With our strategy, you still benefit from the policy’s cash growth — it’s not a “use it or lose it” plan. You can access your money for retirement, emergencies, or investing.
5. How much does it cost?
It depends on your age, health, and the amount of coverage you choose. Most families start with flexible plans that grow over time — and cost less than what you’d spend on coffee or streaming services monthly.
6. Is this available if I already own a house or have life insurance?
Yes. Whether you’re a new homeowner or have had a mortgage for years, we can create a strategy that complements your existing coverage or improves your current plan.