Home Protection Services Review
Home Protection Services
For homeowners with a mortgage

If you were gone, could they keep the house?

The mortgage doesn't stop when an income does. Mortgage protection is life insurance sized to your mortgage, so the balance can be paid to your family tax-free and they stay in the home. Answer 4 quick questions and a licensed broker will call you today with your options.

40 seconds. Then answer 4 quick questions below.

See what you may qualify for

About one minute. No medical exam on many options.

Do you have a mortgage on your home?
Please choose your state.
Please choose your age range.
Pick a time that works.
No pressureNo exam on many optionsFree review

What happens after you hit the button

  1. You answer 4 questions

    Mortgage, state, age, and the best time to call. About one minute.

  2. Madison calls you today

    From (464) 768-5408. Please answer. A licensed broker, not a call center.

  3. A ten-minute review

    What you already have, what your mortgage needs, and what you may qualify for. If it's not a fit, you'll hear that in the first five minutes.

Three things homeowners assume

Homeowner's insurance would cover it.
It covers the house against fire and storms. It does not make a single mortgage payment.
We have PMI, so we're protected.
PMI protects the lender if you default. It pays your family nothing.
Both names are on the deed, so the bank would forgive the loan.
The surviving spouse owes the full balance. Same payment, same due date, one income.

Mortgage protection fixes that

  • If something happens to you, your family receives a tax-free payout sized to the homePaid to your family, not the bank. They decide what to do with it.
  • Many policies include optional living-benefit ridersIf the insured is diagnosed with a qualifying serious illness, money may be advanced while you're alive. Varies by carrier and state.
  • No medical exam on many optionsApproval may depend on your answers to health questions. Declined before? Different carriers give different answers.
  • A licensed broker shops many A-rated carriers for youYou're not locked into one company's rate.

Who will be calling

Headshot of the licensed broker
Madison Wald
Licensed life insurance broker
“When you send the form, I'm the one who calls. Ten minutes, no pressure. If I can't help you, I'll say so and we'll hang up as friends.”

Quick answers

How much does it cost?

It depends on your age, health, the amount, and the carrier. Coverage is sized to your mortgage, not to a number picked for you. You'll get real figures on the call, not a teaser.

I have life insurance through work.

Most work policies are one to two times salary and end when the job ends. Ask how many years of your mortgage it would cover. Often it's less than three.

I've been declined or I take medication.

Different carriers underwrite differently. Many options don't require an exam, though approval may depend on your answers to health questions. It's worth a ten-minute look.

Will I get spam calls?

No. Only Madison Wald's office contacts you, from one number, and you can reply STOP to any text at any time. We never sell your information.

Are you my mortgage company?

No. We are an independent life insurance brokerage. We are not affiliated with any lender, bank, or government agency.

We are not your mortgage company and are not affiliated with any lender, bank, or government agency.

“Mortgage protection” refers to term life insurance sized to a mortgage balance, offered by Madison Wald, licensed life insurance broker. Benefits are paid to the named beneficiary. Living-benefit and disability riders are optional, vary by carrier and state, and are subject to eligibility. Not all applicants will qualify; approval may depend on answers to health questions. No coverage is in force until an application is approved and the first premium is paid.

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