Consumers overestimate the cost of term life insurance by ~3× — actual rates are far lower than most assume.LIMRA 2024 Insurance Barometer·Term life accounted for ~40% of individual life policies sold in the U.S. in 2024 — the most common new policy type.LIMRA U.S. Individual Life Insurance Sales·Term life remains the lowest cost-per-thousand life-insurance coverage available to most buyers.ACLI Life Insurers Fact Book·Every Texas life-insurance policy includes a mandatory 10-day free-look period — review, cancel, and receive a full refund of premiums.Texas Department of Insurance·TDI publishes complaint ratios for every licensed carrier — a useful sanity check before committing to coverage.Texas Department of Insurance Company Search·NAIC operates a free Life Insurance Policy Locator Service that helps beneficiaries find lost policies across participating carriers.National Association of Insurance Commissioners·CFPB and NAIC both recommend matching the life-insurance term to the underlying financial need (e.g., the years remaining on your mortgage).Consumer Financial Protection Bureau·Texas residents can call the TDI consumer help line (1-800-252-3439) for disputes or carrier questions — a free state resource.Texas Department of Insurance·AM Best, S&P, and Moody's publish carrier financial-strength ratings — A− or better is the standard floor for committing premium dollars.Insurance Information Institute·Consumers overestimate the cost of term life insurance by ~3× — actual rates are far lower than most assume.LIMRA 2024 Insurance Barometer·Term life accounted for ~40% of individual life policies sold in the U.S. in 2024 — the most common new policy type.LIMRA U.S. Individual Life Insurance Sales·Term life remains the lowest cost-per-thousand life-insurance coverage available to most buyers.ACLI Life Insurers Fact Book·Every Texas life-insurance policy includes a mandatory 10-day free-look period — review, cancel, and receive a full refund of premiums.Texas Department of Insurance·TDI publishes complaint ratios for every licensed carrier — a useful sanity check before committing to coverage.Texas Department of Insurance Company Search·NAIC operates a free Life Insurance Policy Locator Service that helps beneficiaries find lost policies across participating carriers.National Association of Insurance Commissioners·CFPB and NAIC both recommend matching the life-insurance term to the underlying financial need (e.g., the years remaining on your mortgage).Consumer Financial Protection Bureau·Texas residents can call the TDI consumer help line (1-800-252-3439) for disputes or carrier questions — a free state resource.Texas Department of Insurance·AM Best, S&P, and Moody's publish carrier financial-strength ratings — A− or better is the standard floor for committing premium dollars.Insurance Information Institute·

MortgageProtectionCompany.com(254) 233-8272

Mortgage Protection, Structured Around Your Mortgage

Your family keeps the house. We make sure of it.

Mortgage protection isn’t a single product — it’s a framework. Our advisors run a Critical Time Period Evaluation and structure the right policy around your mortgage and life stage. Younger clients get a higher-face-value level term. Older clients get a whole-life policy structured around the mortgage payment. Most policies are simplified issue — no medical exam. Living benefits included.

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The questions every homeowner should ask

How It Works

Mortgage Protection Insurance

How we structure mortgage protection — level term framework for younger clients, whole-life Critical Time Period for older clients.

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Framework vs Chassis

Mortgage Protection vs. Term Life

Term life is a type of policy. Mortgage protection is a framework. They're related but not the same — here's how an advisor decides which fits.

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Cost

What Mortgage Protection Actually Costs

Conservative monthly premium for healthy 30s–40s applicants is $60–$80/month. Here's why and how the price moves with age, health, and structure.

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Texas-first

Mortgage protection by Texas city

City-specific guides covering local home prices, coverage sizing, Texas Department of Insurance rules, and how to shop without paying lender markup.

Houston Dallas San Antonio Austin Fort Worth El Paso

More TX cities and ZIP-level guides being added weekly.

Critical Time Period Evaluation

A 10–15 minute conversation with your advisor. We size the right policy structure around your mortgage, life stage, and goals — not a generic age-and-coverage ballpark.

Living benefits included

Accelerated death benefit and disability waiver of premium. The policy pays out while you’re still alive in qualifying medical events — not just on death.

Simplified issue

No medical exam on most policies. Health questionnaire, prescription check, decision in 24–72 hours. Coverage starts immediately on issue.

Talk to an advisor

Get your structured quote today

Tell us where to reach you. Your advisor will run a Critical Time Period Evaluation and design coverage around your actual mortgage and life stage. No pressure, no scripts — just the right structure for you.