Mortgage Protection Insurance

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Mortgage Protection Insurance

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Mortgage Protection Insurance
Mortgage Protection Insurance (n. - definition) - insurance obtained for the purpose of paying off a mortgage on a residence due to the untimely death of its owner.
Mortgage Protection Insurance


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  • Mortgage Protection Insurance goes by many names but the purpose is the same for all and that is to pay off the mortgage on a residence due to the untimely death of the wage earner(s).

  • This type of insurance protection generally is taken out to enable the survivors to remain in the residence free of mortgage debt and future mortgage payments.

  • Many different types of life insurance policies can be made available for this purpose: Term Insurance, Decreasing Term Insurance, Term Insurance with Return of Premium, Universal Life, Whole Life, etc. What’s most appropriate depends of each individual’s particular needs, interests and circumstance.

  • Cost for policy issuance is a function of type of policy, the age(s) of the insured, their health condition, their smoking habits, the amount of life insurance coverage, and the payment period wanted.

  • All life insurance policies have a named owner, a named insured and named beneficiaries designations. These three different designations can be the same, but in many situations they are not necessarily set up with the same designations.

  • Life insurance policies are state specific

  • Most Life policies are issued only after a medical questionnaire and in some cases only after medical tests.

  • Effectively, once a life insurance policy is issued by the insurance company that policy is guaranteed without a new physical, no matter the health condition of the insured, as long as the owner pays the premiums on time.

  • Generally, the premiums must be paid for the policy to remain in force.

  • The death benefit payable to a beneficiary upon the death of the insured is dependent on the claims paying ability of the issuing life insurance company.



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Copyright © 1998-2007. Mortgage Protection Insurance Information Guide. All rights reserved.

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