Keep your family in their home — no matter what
Your paycheck is what keeps the lights on and the mortgage paid. Mortgage protection and term life make sure that doesn’t stop if you do — and Living Benefits let the same policy help you while you’re still here.
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The basics
What this coverage really is
Mortgage protection is term life insurance sized to your home loan. If you pass away during the term, it pays a tax-advantaged benefit your family can use to wipe out the mortgage — so they keep the house instead of scrambling to cover it.
The quiet part most people miss: the danger isn’t the house, it’s the lost income. The mortgage doesn’t pause when a paycheck disappears, and neither do the groceries, the daycare, or the college plans. This coverage replaces that income so a hard season doesn’t cost your family their home or their footing.
Whether you’re buying your first place in your twenties or you’re deep in the raising-kids years with a bigger mortgage and college on the horizon, the job is the same — enough protection to keep your family whole if your income stopped. We size it to where you actually are.
Modern policies can also include Living Benefits — the ability to tap your own coverage while you’re alive if you’re diagnosed with a serious, chronic, or terminal illness. And where it fits the budget, a cash-value policy can protect now and build savings you can borrow against later. A lot of older policies don’t have these features, which is why a quick review is worth it even if you already have something.
How it works
How we build it around you
Map what your family actually needs
Mortgage, income years, kids, debts — we add it up so the coverage matches real life, not a guess.
Pick a term that fits your life
20- or 30-year terms line up with most mortgages, so you’re covered for the years your family is most exposed.
Lock your rate while you’re healthy
Premiums are based on your age and health today. The earlier you lock, the better the number tends to stay.
Add Living Benefits
So if a serious illness hits, the policy can help you now — not just your family later.
Decide if cash value fits
If there’s room in the budget, we’ll show how a cash-value policy can protect and build at the same time — no pressure either way.
What you get
What it gives your family
- A tax-advantaged payout that can clear the mortgage
- Income protection sized to a growing household
- Living Benefits for chronic, critical, or terminal illness
- Optional cash value that builds over time
- Level premiums that don’t climb during the term
$450,000 of mortgage protection from about $28/mo*
Lock it in while you’re healthy: the same coverage started later usually costs more, sometimes a lot more. This is a real example from families I work with — your number depends on your age, health, and the coverage you choose.
These are illustrative 2026 market rates. Your underwritten price could be even better depending on your exact health.
This is likely a fit if…
- You have a mortgage, kids, or a lifestyle built on your income
- You want simple, honest coverage without a sales circus
- You want protection now and options to build wealth later
- You’d rather lock a good rate while you’re healthy than wait
It might not be the right fit if…
- You have no dependents and no debt — you may not need this much coverage yet
- You only want the cheapest possible term and nothing else (we can still help — just ask)
Not sure which way you lean? That’s exactly what a quick, no-pressure conversation is for.
Common questions
Protecting Home and Family — questions people ask
The honest answers, up front. Anything else, just ask Ken.
A common starting point is enough to clear the mortgage and replace your income for the years your family would need it. We calculate it on your own numbers, not a rule of thumb — and the free calculator on this site gives you a ballpark in two minutes.
Often both have a role: term for pure protection on a budget, cash value if you want the policy to build too. We pick what fits your goals so you’re not overpaying for the wrong thing.
Then you did exactly what you hoped — you made it through the risky years. Many policies can be renewed or converted, and we’ll plan for that before the term ends.
Not always. Many plans offer simplified or no-exam underwriting. We’ll start with the easiest path that still gets you a good rate.
No — the benefit is paid to your family, and they can use it however they need: mortgage, bills, childcare, income. We just size it with the mortgage in mind.
Beyond insurance · Membership, not insurance
Legal & identity protection
Ken also offers LegalShield memberships for families and businesses — steady access to a provider law firm for advice, letters and calls, document review, and will preparation, plus IDShield identity protection.
Protecting Home and Family
Protect the home — and the income — your family is built on
From your first home through the busiest years with kids, one income usually carries the mortgage, the bills, and the plans. Mortgage protection and term life make sure that doesn’t stop if you do — and with Living Benefits, the same policy can help you while you’re still here if a serious illness hits.
- Pays off the mortgage, tax-advantaged, if you’re gone
- Replaces the income your family lives on — sized to your real bills
- Living Benefits — use your coverage while you’re alive if serious illness hits
- Cash-value options that protect now and build for later
You’ll see a clear, personalized illustration first — then you decide, on your terms.
Availability varies by state. Illustrative figures only — your rate depends on age, health, and the coverage you choose; an illustration shows your personalized number, not a promise.