Michael P. in Midland, TX was quoted $42/mo for $300k coverage· 18 minutes ago·Jennifer B. in Dallas, TX qualified for no-exam coverage at 62· 12 minutes ago·Christopher G. in Corpus Christi, TX quoted after losing an employer group plan· 8 minutes ago·Emily S. in Frisco, TX just requested a quote· 5 minutes ago·Daniel H. in Waco, TX just got matched — $250k, 30-year level· an hour ago·Jessica W. in Houston, TX quoted $28/mo as a nonsmoker at 38· 42 minutes ago·Matthew N. in Arlington, TX matched with a licensed agent· 31 minutes ago·Amanda C. in The Woodlands, TX comparing rates across 4 carriers· 24 minutes ago·Joshua D. in Irving, TX just reviewed the Texas free-look rules· 2 minutes ago·Ashley F. in Austin, TX requested info on joint coverage· just now·Rebecca V. in Allen, TX qualified for simplified-issue coverage· 24 minutes ago·Andrew O. in Katy, TX shopping after a recent refinance· 31 minutes ago·Ashley F. in Austin, TX quoted $36/mo for $350k over 25 years· 42 minutes ago·Joshua D. in Irving, TX got a rate back in under 24 hours· an hour ago·Nicole A. in Pearland, TX matched with a carrier specializing in diabetics· 2 hours ago·Kevin Z. in Sugar Land, TX compared bank-offered vs. independent MPI· 3 hours ago·Laura J. in Fort Worth, TX requested info on joint coverage· just now·Anthony E. in Garland, TX just reviewed the Texas free-look rules· 2 minutes ago·Melissa U. in Grand Prairie, TX just requested a quote· 2 hours ago·Jason I. in The Woodlands, TX quoted after losing an employer group plan· 3 hours ago·Gregory M. in Round Rock, TX found coverage as a VA loan borrower· 3 hours ago·Linda B. in Killeen, TX quoted on a $500k level-term policy· 2 hours ago·Jason I. in San Antonio, TX matched after being rated for term life· 2 minutes ago·Melissa U. in Plano, TX checking rates on an FHA loan· just now·Michael P. in Midland, TX was quoted $42/mo for $300k coverage· 18 minutes ago·Jennifer B. in Dallas, TX qualified for no-exam coverage at 62· 12 minutes ago·Christopher G. in Corpus Christi, TX quoted after losing an employer group plan· 8 minutes ago·Emily S. in Frisco, TX just requested a quote· 5 minutes ago·Daniel H. in Waco, TX just got matched — $250k, 30-year level· an hour ago·Jessica W. in Houston, TX quoted $28/mo as a nonsmoker at 38· 42 minutes ago·Matthew N. in Arlington, TX matched with a licensed agent· 31 minutes ago·Amanda C. in The Woodlands, TX comparing rates across 4 carriers· 24 minutes ago·Joshua D. in Irving, TX just reviewed the Texas free-look rules· 2 minutes ago·Ashley F. in Austin, TX requested info on joint coverage· just now·Rebecca V. in Allen, TX qualified for simplified-issue coverage· 24 minutes ago·Andrew O. in Katy, TX shopping after a recent refinance· 31 minutes ago·Ashley F. in Austin, TX quoted $36/mo for $350k over 25 years· 42 minutes ago·Joshua D. in Irving, TX got a rate back in under 24 hours· an hour ago·Nicole A. in Pearland, TX matched with a carrier specializing in diabetics· 2 hours ago·Kevin Z. in Sugar Land, TX compared bank-offered vs. independent MPI· 3 hours ago·Laura J. in Fort Worth, TX requested info on joint coverage· just now·Anthony E. in Garland, TX just reviewed the Texas free-look rules· 2 minutes ago·Melissa U. in Grand Prairie, TX just requested a quote· 2 hours ago·Jason I. in The Woodlands, TX quoted after losing an employer group plan· 3 hours ago·Gregory M. in Round Rock, TX found coverage as a VA loan borrower· 3 hours ago·Linda B. in Killeen, TX quoted on a $500k level-term policy· 2 hours ago·Jason I. in San Antonio, TX matched after being rated for term life· 2 minutes ago·Melissa U. in Plano, TX checking rates on an FHA loan· just now·
MortgageProtectionCompany.com(888) 231-7759

Rate Estimator

Mortgage protection insurance cost calculator

Move the sliders. Get a realistic estimated monthly premium range for a level-term life insurance policy sized to your mortgage. Real quotes come from a licensed agent in under 10 minutes — but this estimator is accurate enough to tell you whether a $400,000 policy fits your budget or whether you should size smaller.

184575
$100K$500K$1M
Term length (years)
Tobacco use (last 12 months)

Estimated monthly range

$13 – $26

For a healthy applicant, level term life insurance, Texas rates, 2026.

  • • Age: 35
  • • Coverage: $300,000 face amount
  • • Term: 20-year level
  • • Tobacco: Non-smoker
Get an actual quote →

Estimate only, not a quote. Real premiums depend on your full health history, height/weight, driving record, and prescription history. A licensed agent from our partner network can give you binding quotes in 5–10 minutes. Ranges calibrated against LIMRA 2024 data and public carrier rate tables.

How this calculator works

The range you see is an estimate for a healthy applicant buying level term life insurance in Texas. The low end approximates what a "Preferred Plus" underwriting class would pay; the high end approximates a "Standard" class. Your actual rate depends on health history, height/weight, prescription records, family history, and driving record — none of which this calculator asks for.

Mortgage protection insurance is typically sold as level term life insurance. This calculator is calibrated to match the LIMRA 2024 Insurance Barometer Study ranges and public carrier rate tables (Policygenius, SelectQuote, Bankrate). For the authoritative product explainer, see What is mortgage protection insurance?

For a genuine binding quote — not an estimate — submit the short form on any page of this site or call (888) 231-7759.

Related reading