What mortgage protection is
It's life (and optionally critical illness or disability) coverage sized to your mortgage, so the balance can be paid off or payments covered if something happens to you.
Mortgage protection insurance helps your family keep the home if you pass away, become critically ill, or can't work — without relying on the bank's one-size-fits-all policy.
Not the bank — it moves with you between lenders.
Protection doesn't shrink as you pay down the loan.
Your loved ones decide how to use the benefit.
It's life (and optionally critical illness or disability) coverage sized to your mortgage, so the balance can be paid off or payments covered if something happens to you.
The families I help with mortgage protection most often are:
They sound the same, but they protect very different people.
| Personal policy | Bank coverage | |
|---|---|---|
| Who gets paid | Your family | The bank |
| Coverage amount | Level — full value | Shrinks as you repay |
| If you switch lenders | Moves with you | Ends |
| Beneficiary choice | You choose | The lender |
Common myths, cleared up
“The bank's coverage is the same” — it isn't; the bank is the beneficiary. “I'm young and healthy, I don't need it” — that's exactly when rates are lowest.
— Priya Bhatia
No pressure, no jargon — just a clear path from your first question to being covered.
We talk through your situation, family, and what's on your mind — in person, by phone, or online.
I work out exactly what you need (and what you don't), so you never over-buy.
I shop multiple insurers and lay the choices out side by side in plain language.
I handle the paperwork with you and follow up with the insurer on your behalf.
Free annual reviews, and I'm here to guide you through any future claim.
We can meet in person, hop on a call, or connect virtually. Whatever feels easiest and most comfortable for you.
Book a free, no-pressure consultation. I’ll explain your options in plain language and help you choose with confidence.