How We Make Money

Every site that covers a financial product has to figure out how to pay for itself, and how it does that changes what you can trust about what you read. We think you should know exactly how we make money before you take any of our content as guidance. This page is the complete description.

The short version

Mortgage Protection Company earns a commission when a homeowner who works with one of our licensed advisors goes on to purchase a policy. The commission is paid by the carrier out of standard industry acquisition economics — not added to your premium. We do not charge homeowners anything for the advisor relationship.

The longer version

We don't charge you

Everything on mortgageprotectioncompany.com is free for consumers. Reading our articles, requesting a match with a licensed advisor, receiving quotes, and talking to an agent all cost you nothing. We do not sell paywalled content, we do not operate a subscription, and we do not charge a referral fee or convenience fee to consumers at any point.

Partners pay us a commission

When you request to talk to an advisor on our site, we route your request to a licensed insurance advisor authorized to sell in your state. The advisor works with you on the Critical Time Period Evaluation, the structured policy recommendation, the application, and the issued policy. If you purchase a policy as a result of that conversation, the advisor remits a standard referral share to Mortgage Protection Company.

That referral share is paid by the licensed advisor out of the carrier's standard commission economics. It is not an additional charge layered on top of your premium. Insurance premiums are set by the carrier, filed with and regulated by your state's department of insurance, and are the same whether you buy through an advisor we connect you with or directly from the carrier.

Commission amounts vary

The referral share an advisor remits to us can vary by product type and carrier. We don't publish specific numbers because they change and they're commercially sensitive. What we can tell you is that the range is in line with standard insurance industry referral and sub-producer economics and does not involve unusual "override" arrangements that bias our editorial or the structure your advisor recommends.

Editorial and commission are separated

This is the important part.

We do not run "best of" rankings that favor higher-commission products. Editorial decisions — which carriers to cover, which products to explain, how to compare them, and what to say about any of them — are made by our editorial team based on reader relevance and accuracy. Commission structure is not a factor in those decisions. Our Editorial Policy describes the controls that enforce this.

When we compare products or carriers, we disclose the methodology in the article itself so you can see what we weighted and why.

We currently have no other commercial partnerships

As of April 2026, the lead-matching model above is the only way Mortgage Protection Company earns revenue. We do not:

• Accept payment for editorial placement
• Run sponsored content
• Sell email lists
• Sell or rent consumer data (see our Privacy Policy)
• Charge carriers to be covered in our articles
• Operate an affiliate program beyond our licensed-advisor referrals

What we may add later

We may run Google Ads or other programmatic display advertising on the site in the future. If and when we do, display ads will be visually distinct from editorial content. We may also publish sponsored content at some point. If we do, it will be labeled "Sponsored" at the top of the article, and sponsored articles will be excluded from rankings, comparisons, and "best of" lists.

If we add any other revenue stream that creates a new conflict of interest, we will update this page and disclose it.

How commissions affect you

They don't change the price you pay. This is worth repeating because the question comes up.

Life insurance premiums — including the term and whole-life policies our advisors structure as mortgage protection — are set by the carrier, filed with the state department of insurance, and are the same whether you buy through one of our advisors, a directly-contracted agent, an online aggregator, or the carrier directly. Commissions are paid out of the insurer's acquisition budget, which is baked into pricing before any individual advisor or referral source is involved.

What a commission model can affect is behavior. A referral source or agent with an incentive to close will behave differently than one without. That's why the editorial-side controls matter, why our advisors are licensed and held to industry conduct rules, and why you should always feel free to get a second quote from any other licensed source before you buy. Your advisor will tell you the same thing on the phone.

Questions

If anything about this is unclear, or if you think something on the site contradicts what's described here, email editorial@mortgageprotectioncompany.com.