Pay Off Your Mortgage If Something Happens To You From $1/Day
Talk to a licensed agent to see what you qualify for. No medical exam required.
- No medical exam
- No obligation
- Your cost
- $1/day*
- Mortgage protected
- $150,000
Would your family lose the house without you?
The mortgage doesn't stop when a paycheck does. Without a plan, the people you love could be forced to choose between draining their savings and selling the home.
The solution
Mortgage protection
If you pass away, it pays a lump sum to your family so they can pay off the house and stay in it. Some plans also pay you early if you're diagnosed with a serious illness.
No medical exam
No needles or doctor visits. Just answer a few health questions.
Money-back option
Choose a plan that returns your premiums if you outlive the policy.
Covers your full balance
Coverage matched to what you owe and the years left on your loan.
How it works
Protect Your Home In 3 Steps
- 01About 1 minute
Answer a few quick questions
About your age, health, and coverage needs.
- 0210–15 min call
Talk to a licensed agent
An agent calls you to go over your options.
- 03Same day
Protect your home
Pick the plan that fits your budget. Most people are approved on the same call.
What homeowners pay
See what you'd actually pay.
Your rate depends on your age, coverage amount, and your health. Sample rates for a healthy 45-year-old male non-smoker on a 20-year term, quoted October 2026.
Common questions
Questions? We've got you.
No. Family Guards is run by licensed life insurance agents and isn't affiliated with your lender or any government agency. Many homeowners get official-looking mail about "mortgage protection" after closing. This is the same type of coverage, but you choose the plan and the carrier.
Your family. The policy pays a lump sum to the beneficiaries you choose, generally income-tax free. They can pay off the mortgage, keep making payments, or use it for anything else they need.
No. We only offer plans that don't require a medical exam, blood work or a doctor visit. You answer a few health questions and the carrier reviews your application.
Some plans return your premiums if you outlive the policy term. They cost more than standard coverage, and you need to keep the policy for the full term to get everything back. Your agent can show you both options side by side.
Most homeowners match their coverage to their mortgage balance and the years left on the loan. Some add a little extra for other debts. Your agent will help you pick an amount that fits your budget.
Often not. Work coverage is usually tied to your job, so it typically ends if you leave or get laid off. It's also often just one or two times your salary, which may not cover your mortgage. A personal policy stays with you.
You may still qualify. Carriers accept different health conditions, including many people with diabetes or high blood pressure. Your agent will match you with carriers that fit your health history.
A licensed agent will call you to go over your options. The call takes about 10 to 15 minutes, and many people are approved on that same call. There's no obligation to buy.
Yes, anytime. Every policy also has a free-look period, typically 10 to 30 days depending on your state, when you can cancel for a full refund.
Keep Your Family In The Home You Built
Answer a few quick questions and a licensed agent will walk you through your options.
No medical exam · No obligation