United Trust Life — Independent agent for Globe Life & American Income Life · 100% virtual, no pressure
Coverage / Life
Life

Mortgage Protection Insurance

Keep your family in their home, no matter what — a benefit built around your mortgage.

$1.88B
Paid in claims · 2025
$1.06B
Life insurance claims
$822M
Supplemental health claims
Based on 2025 financial data from our A+ rated carrier partners, Globe Life & American Income Life.
What it is

Your home, protected for the people in it.

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 — so they can stay in the home you built together.

It’s typically a term policy sized to your loan, with simple qualification and a locked-in rate.

Who it’s for

Homeowners and new buyers who want to guarantee the mortgage is covered if the worst happens.

HomeownersNew buyersFamiliesSingle-income homes
Why it matters

What this coverage does for you.

Several ways to apply

Get covered the way that works for you.

Online

Apply in minutes. Coverage begins after approval and first payment.

By phone

Get a quote and apply with a licensed agent in one quick call.

With an agent

Free, no-pressure virtual appointment on your schedule.

By mail

Request a free info kit and apply from home, at your own pace.

Questions, answered

Mortgage Protection Insurance FAQ

Do I need a medical exam?+

Many of our plans use a simple yes/no health application with no medical exam. Some coverage amounts may require additional questions, and a licensed agent will tell you exactly what applies to you.

How fast can coverage start?+

Once your application is approved and your first payment is made, coverage can begin right away. A licensed agent walks you through every step.

Free quote

Get your Mortgage Protection Insurance quote.

Answer a few quick questions and a licensed United Trust Life agent follows up — usually within one business day. No pressure, ever.

  • Free and no-obligation
  • 100% virtual, on your schedule
  • Backed by A+ rated carriers

By submitting you agree to be contacted about coverage. We respect your time — no spam.

Request received.

A licensed agent will reach out shortly. Want to grab a time now? Meet Justin →