What happens after you answer
Nine questions on the site, one conversation with a licensed agent, a quote in writing. Here's each part in more detail, including what it costs (nothing) and what happens if it isn't a fit.
Answer nine questions
About a minute on the site. No account numbers, no exam, no login to your mortgage.
- Your age range
- Your remaining balance and monthly payment
- How much you'd want covered: 12, 18, or 24 months of payments, or the whole balance
- A ZIP code, your name, and who the coverage is for
A licensed agent reaches out
Usually by text first, at the number you gave us, to find a time that works. Then a call of about twenty minutes.
- Licensed in your state and appointed with multiple carriers
- They see the coverage target you built and the answers behind it
- You can stop contact at any point by replying STOP
A quote, then your decision
The agent runs your numbers with the carriers open to you and shows you the premium and the term in writing.
- Level or decreasing coverage, with the term matched to the years left on the loan
- Whether you qualify without a medical exam
- Whether coverage you already have does the job
What the conversation covers
The question the agent is trying to answer: if your income stopped tomorrow, could the people in the house keep it, and for how long?
- Your remaining balance, the years left, and the monthly payment
- Who would keep living in the house, and what they'd need each month
- Income and any coverage already in place, including through work
- Health basics that decide which carriers and products are open to you
- Whether a policy sized to the whole balance or to a few years of payments fits
Worth having to hand
- A recent mortgage statement
- Any existing policy or work benefit statement
- Your questions. Write them down; there are no bad ones.
None of it is required. The agent can work from your answers alone.
What you walk away with
- A coverage target you understand and could explain to someone else
- A quote with the premium and the term, on paper
- An honest read on whatever coverage you already have
- A clear next step, or a clear “you're already covered”
If it isn't a fit
Some homeowners already have enough coverage through work or an existing policy. Some are better served by a small policy than a large one. Some won't qualify with the carriers we work with, and the agent will say so. Nothing else happens: no follow-up campaign, no second pitch. You can also stop at any stage by replying STOP to a text or telling the agent directly.
Nothing, at any point
You never pay us. If you decide to apply and a carrier issues the policy, the carrier pays the agent or their agency a commission out of the policy's pricing. It isn't an extra line on your bill; the premium is the carrier's rate either way.
That means we only do well when a homeowner ends up with coverage they keep. Selling the wrong policy, or a bigger one than a family needs, costs us the relationship, so the advice is built to hold up years later, not just on the call.
Check my eligibility
Nine questions. Sixty seconds. No cost, no obligation.