Leave Your Familya Home, Not a MortgageFrom $49/mo
Coverage that pays off your mortgage if something happens to you. Talk to a licensed agent to see what you qualify for
- No obligation
- No medical exam
- Your cost
- $49/mo*
- Mortgage protected
- $300,000
Would your family lose the house without your income?
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.
A licensed agent will call you to go over your options. The call takes about 10 to 15 minutes, and many people get a decision the same day. 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. After that, you can stop paying anytime, but you won't get past premiums back unless you have a return-of-premium plan and keep it for the full term.
Most healthy homeowners pay roughly $30 to $100 a month, depending on age, health and coverage amount. Your agent will quote your exact price on the call.
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. The plans we offer don't need an exam, blood work or a doctor visit. You answer some health questions, and the carrier may check your prescription and medical records.
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.
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.
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.
Your information goes only to a licensed agent to prepare your quote. We never sell it.
No. Family Guards is run by licensed life insurance agents and isn't affiliated with your lender or any government agency. You choose the plan and the carrier.
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