Your lender already has a plan. Your family should have one too.
Every homeowner is already paying for insurance that protects the lender. If the homeowner dies, nothing about the loan changes: the balance stays, the payment stays, the due date stays. We exist to close that gap with coverage sized to the mortgage and paid to the people you name.
One conversation, the whole house
We are not an insurer, not a lender, not connected to your servicer, and not a government program. A licensed agent in your state compares mortgage protection coverage from more than one carrier, sizes it to the balance and the payment you gave us, and tells you plainly what it would cost and whether you may qualify.
If the answer is that you already have enough coverage, that is what you will hear.
Sized to your house, not a table
The starting number comes from your remaining balance and your monthly payment, not from a generic chart. You choose whether to cover a set number of payments or the whole remaining balance.
Paid to your family, not the bank
If a claim is paid, the money goes to the person named on the policy. They decide what it is used for, whether that is the mortgage, the taxes, or the month to month bills.
Independent, not captive
We are not owned by a carrier and we are not tied to one product. The agent can compare coverage across more than one carrier, including the option of leaving your current coverage alone.
Licensed where you live
Every agent who reviews your options holds the insurance license required in your state. Products are not available in all states, and any policy is issued by a licensed carrier under its own underwriting.
What we are not
- Not a lender, not a servicer, and not connected to whoever holds your mortgage. We are not a government program and nothing here comes from one.
- Not required. Mortgage protection is optional, no lender requires it, and deciding against it changes nothing about your loan.
- Not an insurance company. Policies are issued by licensed carriers and are subject to their own underwriting.
How we are paid
You never pay us, at any stage. If you apply and a carrier issues a policy, that carrier pays the agent or their agency out of the policy's own pricing. The premium is the carrier's rate whether an agent was involved or not, so the review adds nothing to your bill.
That arrangement only works for us when a household keeps the coverage it bought. Coverage that was oversized, or wrong for the people in the house, tends not to last. So the review is built to still make sense to you in ten years, not just on the phone.
The facts, in one place
What a regulator, a carrier, or a careful customer would want to know about who runs this site.
- Trade name
- Family Mortgage Shield
- Legal entity
- NEEDS PINNACLE: legal entity name
- What we are
- An insurance marketing service for homeowners comparing mortgage protection coverage. Licensed agents review the options with you. We are paid by carriers only if a policy is issued.
- What we are not
- Not an insurance company, not a bank, not a lender, not a loan servicer, and not a government program.
- Who we serve
- Homeowners in the United States looking at mortgage protection coverage.
- Licensing
- Every agent who reviews your options holds the insurance license required in your state. Products are not available in all states.
- Contact
- Phone
Email NEEDS PINNACLE: support email
Mail NEEDS PINNACLE: mailing address
Check my eligibility
Eleven questions. About a minute. No cost, no obligation.