For Homeowners Ages 25-65 • Most Qualify With No Medical Exam

If Something Happens to You, Your Family Keeps the Home.

Mortgage protection term insurance pays off your mortgage balance if you pass away, become disabled, or are diagnosed with a critical illness, so your family never has to worry about losing their home.

Coverage from $50,000 up to $1,000,000+
Rates starting as low as $25/month
Your premiums are locked in for the full term
One of our agents will reach out to you personally

Tell Us A Little About Yourself

Fill in your info below, we'll reach out right away with your options.

Your Full Name

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Date of Birth

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Best Phone Number

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Email Address

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How Much Coverage Do You Need?

What's Your Favorite Hobby or Pastime? 😊

We love getting to know the people we help!

🔒 Your information is 100% private & secure

By submitting, you authorize HomeShield Mortgage Protection by Altus Ridge Financial to contact you at the number and email provided. Consent is not required to receive a quote. Standard message rates may apply.

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Thank You, We'll Be Right With You!

Someone from our team will call you within 15 minutes to go over your options personally. Watch your email for a confirmation too!

The Reality Most Families Face

If You Pass Away Tomorrow, Can Your Family Keep the House?

Your mortgage is likely the largest monthly expense your family has. If your income disappears, that payment does not. Without protection, your family could be forced to sell the home or face foreclosure during the most difficult time of their lives.

$1,775

Average monthly mortgage payment in the United States in 2025

37%

Of surviving spouses say they could not afford the mortgage on their own

1 in 4

Families are forced to sell or downsize their home after a death or disability

"Your home is more than walls and a roof. It's where your kids grew up. It's where holidays happen. It's where your family feels safe. Mortgage protection makes sure that feeling never goes away, no matter what happens to you."

Simple. Fast. Affordable.

Here's How HomeShield Works

No confusing paperwork. No lengthy process. Just peace of mind that your family's home is secure.

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You Fill In the Short Form

Just your name, birthday, phone, and how much coverage you need. Takes under a minute.

📞2

One of Our Agents Reaches Out

A friendly, licensed agent contacts you personally. No robots, no runaround. Just a real conversation about your options.

🏡3

Your Home Is Protected

Choose the plan that fits your budget and your mortgage. Coverage can begin the same day, and your rate is locked in for the full term.

What Your Policy Covers

Complete Protection for Your Family's Home

Mortgage protection term insurance is designed to make sure your family can stay in their home if the unexpected happens.

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Full Mortgage Payoff at DeathYour remaining mortgage balance is paid off in full so your family owns the home free and clear
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Disability Income Rider (Optional)If you become disabled and cannot work, the policy can cover your mortgage payments during recovery
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Critical Illness Benefit (Optional)A lump sum payout if you are diagnosed with cancer, heart attack, stroke, or other qualifying conditions
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Terminal Illness Accelerated BenefitAccess a portion of your death benefit early if diagnosed with a terminal illness
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Remaining Funds Go to Your BeneficiaryIf your mortgage balance is lower than your coverage, your family keeps the difference as cash
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Convertible to Permanent CoverageMany term policies can be converted to whole life or IUL later without a new medical exam
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Coverage Up to $1,000,000+Whether your mortgage is $150,000 or over a million, we can structure a policy to match your full balance and protect your family’s home

Why HomeShield?

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Designed Specifically for HomeownersCoverage amounts that match your actual mortgage balance

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Premiums Locked for the Full Term10, 15, 20, 25, or 30 year terms available

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Level Death BenefitUnlike decreasing term, your coverage stays the same even as your mortgage goes down

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No Medical Exam for Most ApplicantsJust a few health questions, approval in as little as 24 hours

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Benefits Paid QuicklyYour family receives funds when they need them most

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Rates From $25/MonthAffordable coverage that fits into any household budget

Real Stories From Real Homeowners

What Our Policyholders Are Saying

Thousands of homeowners just like you have already taken the step to protect their families.

★★★★★

“

We just bought our first home and the mortgage felt overwhelming. My agent helped us find a 30-year term for less than we spend on coffee each week. Now if anything happens to me, my wife and kids keep the house, no question.

James W.North Carolina

★★★★★

“

After my neighbor lost her husband unexpectedly and had to sell the house, I knew I could not let that happen to my family. The whole process took 15 minutes. No exam, no hassle. Best decision I have made this year.

Karen R.Texas

★★★★★

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I refinanced last year and my old mortgage protection lapsed. My agent found me a new policy at a better rate with more coverage. The level benefit is what sold me, my payout stays the same even as I pay down the mortgage.

Marcus P.Georgia

Your Home. Your Family. Protected.

Don't Wait Until It's Too Late.

The younger and healthier you are, the lower your rate. Every day you wait is another day your family's home is unprotected. Fill in the short form and one of our agents will personally call you with your options.

⏰ Most homeowners ages 25-65 qualify right away. The average application takes less than 15 minutes, and coverage can begin the same day.

Protect Your Family's Home Today

We'll call you, no pressure, just helpful

Your Full Name

Please enter your first and last name.

Date of Birth

Please enter your date of birth.

Best Phone Number

Please enter a valid phone number.

Email Address

Please enter a valid email.

How Much Coverage Do You Need?

What's Your Favorite Hobby or Pastime? 😊

We love getting to know the people we help!

🔒 Your information is 100% private & secure

✓

Thank You, We'll Be Right With You!

Someone from our team will call you within 15 minutes to go over your options personally.

Got Questions? We've Got Answers.

Frequently Asked Questions

Everything you need to know about mortgage protection term insurance.

Mortgage protection insurance is a term life insurance policy designed to pay off your remaining mortgage balance if you pass away during the term of the policy. It ensures your family can stay in their home without having to worry about making mortgage payments on a reduced income.

Mortgage protection is a type of term life insurance, but it is specifically designed to match your mortgage term and balance. The key advantage is that the death benefit goes directly to your beneficiary (not the lender), giving your family the flexibility to pay off the mortgage or use the funds however they choose.

Most applicants between 25 and 60 qualify for no-exam policies with just a few health questions. For higher coverage amounts or applicants over 60, a simple paramedical exam may be required. We work with multiple A-rated carriers to find you the best option based on your health profile.

Your policy stays in force regardless of your mortgage balance. If you pay off your mortgage early, the full death benefit still goes to your beneficiary as a tax-free lump sum. Many families keep the policy as general life insurance protection even after the mortgage is paid off.

Your mortgage protection policy is separate from your mortgage lender. If you refinance, your policy continues as is. If your new mortgage amount is higher, we can help you adjust your coverage to match. If it is lower, you keep the extra coverage.

Absolutely. We recommend that both income-earning spouses have coverage, especially if both incomes are needed to cover the mortgage. We can set up individual policies for each spouse or explore joint options depending on your situation and budget.

Most homeowners choose a term that matches their mortgage, typically 15, 20, or 30 years. If you plan to pay off your mortgage early, a shorter term may save you money. We will help you find the right fit based on your mortgage timeline and budget.

No. Your consultation is completely free, and there is never any pressure. We will review your situation, explain your options, and give you an honest recommendation. You decide if and when you are ready to move forward.

Still have questions? We are here to help. No pressure, ever.

Email Us Your Question