Our Niche Product
Protect the Income That Pays for the Home
If the unexpected happens, mortgage protection life insurance helps your family keep the home they love.
Schedule a Free ConsultationWatch: The Mortgage Question
Could your family keep the house if you were no longer there?
What Is Mortgage Protection Life Insurance?
Mortgage protection life insurance is a term life policy designed around your mortgage. If the insured passes away during the term, the death benefit can help pay off or pay down the remaining mortgage balance — so the family can stay in the home instead of facing the possibility of selling or losing it.
Unlike traditional mortgage insurance (which is tied to the lender and declines in value over time), mortgage protection life insurance pays a benefit directly to your family's beneficiary. They decide how to use it.
Living Benefits — Protection While You're Still Here
Many of my mortgage protection policies include living benefits, which means the insured can access a portion of the death benefit while still alive if they experience a qualifying condition:
This means the policy doesn't just protect your family after you're gone — it can help protect you while you're still living.
Who Should Consider Mortgage Protection?
- New homebuyers who just took on a mortgage
- Families whose income is tied to one or two earners
- Anyone who wants to make sure their family can stay in the home if the worst happens
- Real estate agents and lenders looking to refer clients to a trusted protection partner
How It Works
Schedule a Free Consultation
We'll talk about your mortgage, your family, and your goals.
I Shop the Market
I compare policies across 40+ A-rated carriers to find the right fit.
You Choose
I present your options in plain language. No pressure, no jargon.
You're Protected
Once approved, your coverage goes into effect. I handle the paperwork and ongoing service.
Why Work With Me?
- 35+ years in the insurance industry — actuary, claims adjuster, underwriter, agent, and broker
- Licensed real estate agent — I understand the homebuying process from your side of the table
- Independent broker — I work for you, not for one insurance company
- 40+ A-rated carriers — I shop the market so you don't have to
- Personally licensed in MD, DC, VA, NC, OH, MI, TX, CA, SC, FL — and I add new state licenses regularly, so if you’re outside those states, just ask
The 5 Mortgage Protection Mistakes New Homeowners Make
- Learn the 5 costly mistakes new homeowners make with mortgage protection — in plain language, no jargon.
- Find out exactly what to do instead for each one, so the home you just bought stays in your family’s hands.
- Free instant download — read it in 10 minutes, keep it in a drawer.
This guide provides general educational information only and is not
personalized financial or insurance advice.
We respect your privacy — your email is only used to deliver the
guide and occasional helpful follow-ups. No spam, ever.
You’re in! Your free guide is ready.
Click below to download “The 5 Mortgage Protection Mistakes New Homeowners Make.” Want a second set of eyes on your own plan? Book a free consultation with Landis.
Download the Free Guide (PDF)Frequently Asked Questions
Do I need a medical exam?
Many of the policies I offer don't require a medical exam or blood test. It depends on the carrier and the coverage amount. We'll find the right option for your situation.
Is this the same thing as mortgage insurance from my lender?
No. Mortgage insurance (PMI) protects the lender if you default on the loan. Mortgage protection life insurance is a life insurance policy that pays a benefit to your family if the insured passes away — they decide how to use it.
How much does it cost?
The cost depends on your age, health, coverage amount, and the carrier. Because I shop across 40+ carriers, I can find competitive options at different price points. Schedule a free consultation and I'll walk you through your options.
Can I get coverage if I have a health condition?
Possibly. Many carriers offer simplified issue or guaranteed issue products that don't require a medical exam. Let's talk about your situation.
How Much Coverage Do You Need?
Get a quick estimate of the life insurance that fits your family. Adjust the sliders below — your full breakdown unlocks when you enter your contact info.
The mortgage
Income to replace
Common range: until the youngest child is grown, or the mortgage term.
Other debts & obligations
Children's education
What's already in place
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Enter your info to unlock your full coverage breakdown. Your details go only to Landis to follow up on this estimate.
Your information goes only to your agent to follow up on this estimate. It won't be sold or shared.