Firefighter Mortgage Protection

Mortgage protection is life insurance designed around your home loan, so your family can stay in the home you built together — no matter what happens, on duty or off.

Keep your family in the home — no matter what

For most firefighter families, the mortgage is the single biggest bill, and it doesn't pause for anyone. Mortgage protection is life insurance designed around your home loan: if you pass away, it provides a tax-free benefit your family can use to pay down or pay off the mortgage and stay in the home you built together.

How it works

Mortgage protection is typically a term life policy sized to your loan balance and term, with a locked-in rate and simple qualification. Unlike the mortgage insurance a bank sells you, the benefit is paid to your family — not the lender — so they decide how best to use it. See our mortgage protection page.

Why it matters for firefighters

Department and pension benefits often shrink at retirement, and line-of-duty programs are conditional. A mortgage-sized policy you own guarantees the roof over your family's head is covered regardless of how or when something happens — on duty or off.

Mortgage protection vs. regular term life

They're closely related. Mortgage protection just sizes the coverage to your home loan. Many firefighters fold the mortgage amount into a larger term or whole life policy that also replaces income and covers other needs. An agent can show you which approach is more cost-effective for your situation.

What to do now

Lock in a rate while you're healthy and your loan balance is highest. A licensed agent can size a policy to your mortgage in minutes — most coverage requires no medical exam.