Death Benefit

Plans designed to pay your home mortgage off in the event of premature death can be inexpensive. Most people will choose a TERM Plan that conforms with the length of their mortgage, i.e., 5, 10, 15, 20, 25 or 30 year mortgages.

EXAMPLE: 30 year mortgage for $100,000

You can enroll in a 30 year fixed mortgage plan that will cover your mortgage for the full term of your 30 year mortgage. A 30 year old male or female who has a $100,000 Mortgage can enroll in a plan for as little as $10.00 a month that would pay the mortgage loan in full if he or she were to die. Some exceptions would be suicide or murder for gain.

Some Important features to make sure your plan offers:

• 1) Get a plan that pays no matter how you die (Natural or Accidental: Some plans only cover accidental death) .
• 2) Get a plan that has a fixed guaranteed rate so no matter what happens to your health your monthly costs are fixed and can NEVER CHANGE.
• 3) Get a plan that will allow you to convert to a permanent plan regardless of your health (i.e., fully convertible to a plan that will give you coverage to age 100 (whole Life or Universal Life) without an exam to prove good health).
• Accelerated Death Benefit

This product pays a lump sum benefit on the diagnosis of certain serious illnesses. This feature is also known as an Accelerated Death Benefit, which usually is an additional rider that is free with a mortgage protection plan. Some plans will pay the whole amount of the coverage in place or part).

Product details

* Can cover your mortgage repayments.
* Can cover your medical bills.
* Extensive range of illnesses covered.

The aim of this cover is to provide a cash lump sum in the event of diagnosis of an illness where life expectancy is less than 12 months.

Critical Illness Rider

You will benefit from the security of a product designed to help survivors of certain critical illnesses.
More and more people are surviving critical illnesses due to modern technology and healthier lifestyles. The recovery period is often spent with little or no income and can threaten the financial security of a family. The Critical Illness rider pays a benefit amount upon diagnosis of a critical illness. This benefit amount will not reduce the death benefit of the base policy; it is an additional benefit. Can you afford to be without this important protection?

Disability/Mortgage Payment Rider

Most People don't realize that if they became disabled and couldn't work they could lose their home because of lack of funds to make the monthly mortgage payment. has done the research for you so you can now get a quote on some of the most competitive Disability Insurance Plans available Today!

Some Important Things to Think about:

1) Some plans will cover you if you cannot perform your regular Job. Some plans only cover you if you are totally disabled. So make sure you get the right plan.

2) Some Companies do not have the Best financial ratings. Make sure your Company Has High Financial Ratings. These ratings can be provided to you from AM BEST Rating Service. AM Best rates all Companies that are worth looking at. Ask your Licenced Insurance agent for the report.

3) You can purchase a plan that covers you and your Co-borrower which will pay your Mortgage completely if you were to die or make the payments if you become disabled. AN ALL IN ONE PLAN AT A COMBINED VERY LOW COST TO YOU. So it is important to look at a Combination Plan.

Return of Premium

This extra benefit rider provides for the return of the total premiums paid for the policy and any additional riders at the end of the initial term period. If, you choose to terminate teh policy prior to the end of the initial term period a portion of the premiums will be returned.