What happens after you answer
Eleven short questions on this site, one phone conversation with a licensed agent in your state, and a plan you can read on paper. Here is each part, what it costs, and what happens if it is not the right fit.
Answer eleven questions
About a minute. No account numbers, no paperwork, no logging in to your mortgage.
- Your age
- Roughly what is left on the mortgage, and the monthly payment
- How much you would want covered: 12, 18 or 24 months of payments, or the whole balance
- A few health basics, your zip code, your name, and who the coverage is for
A licensed agent reaches out
Usually a text first, at the number you gave us, to find a time that works. Then a call of about fifteen minutes.
- Licensed in your state and appointed with more than one carrier
- They see the coverage target you built and the answers behind it
- You can stop contact at any point by replying STOP
A plan, then your decision
The agent runs your details with the carriers open to you and shows you the premium and the term in writing.
- Level or decreasing coverage, with the term matched to the years left on the loan
- Which plans ask health questions rather than a full medical workup, depending on the carrier and its underwriting
- Whether coverage you already have does the job
What the call covers
The question the agent is trying to answer: if your income stopped tomorrow, could the people in the house keep it, and for how long?
- The remaining balance, the years left, and the monthly payment
- Who would keep living in the house, and what they would need each month
- Income, and any coverage already in place, including through work
- Health basics that decide which carriers and plans are open to you
- Whether a policy sized to the whole balance, or to a few years of payments, fits better
Worth having to hand
- A recent mortgage statement
- Any existing policy or work benefit statement
- Your questions. Write them down. There are no bad ones.
None of it is required. The agent can work from your answers alone.
What you walk away with
- A coverage target you understand and could explain to someone else
- A plan with the premium and the term, on paper
- An honest read on whatever coverage you already have
- A clear next step, or a clear "you are already covered"
If it is not a fit
Some homeowners already have enough coverage through work or an existing policy. Some are better served by a small policy than a large one. Some will not qualify with the carriers we work with, and the agent will say so. Nothing else happens: no second pitch, no campaign. You can also stop at any stage by replying STOP to a text or telling the agent directly.
Nothing, at any point
You never pay us. If you decide to apply and a carrier issues a policy, the carrier pays the agent or their agency a commission out of the policy's own pricing. It is not an extra line on your bill; the premium is the carrier's rate either way.
That means this only works when a homeowner ends up with coverage they keep. Selling the wrong policy, or a bigger one than a family needs, costs the relationship. So the advice is built to hold up years later, not just on the call.
Check my eligibility
Eleven questions. About a minute. No cost, no obligation.