Living benefits riders
Some policies let you access part of the benefit early for a qualifying serious illness.
Mortgage protection · Texas
Mortgage protection insurance for Texas homeowners
Mortgage protection is life insurance set up to help your family keep the home if you pass away before the mortgage is paid off. Eric Blazej is a licensed, independent Texas insurance agent doing business as Fortify360 Insurance Group, and he shops multiple carriers to find a policy that fits your loan and your budget.
Texas only · TDI #3517967 · NPN #22274526
How it works
Which kind of policy fits
- Level term life
- The payout stays the same for the whole term, such as 15, 20 or 30 years. Many homeowners match the term to the years left on the loan.
- Decreasing term life
- The payout shrinks over time, roughly in step with the loan balance. It usually costs less than level term.
- Lender mortgage life insurance
- Some lenders offer coverage that pays the lender directly. With a policy through Eric, the payout goes to the beneficiaries you name, and they decide how to use it.
Mortgage protection is not private mortgage insurance (PMI). PMI protects your lender, not your family. Terms, riders and eligibility vary by carrier and policy.
Eligibility
Who it's for
- New homebuyers and recent refinancers
- Households where one or two incomes cover the mortgage payment
- Homeowners who want coverage matched to their loan term
Coverage
Features to ask about
Availability varies by carrier, and all coverage is subject to policy terms.
Return of premium
Some term policies refund some or all of the base premiums if you outlive the term, usually at a higher cost.
Coverage for two people
Options that cover both people on the loan.
Simplified issue
Some carriers offer policies with a shorter application and, in some cases, no medical exam.
Before you call
What to have ready
- Your loan balance and years remaining
- Your monthly payment
- The ages and health basics of each person to be covered
- Who you want as beneficiaries
Get a quote
Request a mortgage protection quote
Use the form, or call or text (817) 552-4717.
Tell Eric how he can help
The consultation form loads as you scroll. You can also call (817) 552-4717.
Questions
Mortgage protection insurance questions
Is mortgage protection required by my lender?
Generally, no. It's optional, and it's separate from homeowners insurance and PMI.
Who gets the money?
The beneficiaries you name on the policy.
Do I need a medical exam?
It depends on the carrier and policy. Some offer no-exam options.
Is this connected to my lender or loan servicer?
No. Eric is an independent insurance agent and isn't affiliated with any lender, loan servicer, or government agency.