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Home protection

Safeguard your most important investment.

A safety net that settles your mortgage if you pass away — so your family keeps the home, not the payment.

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  • No health exam required
  • Fixed payment rates
  • Cash-back option
Information focus
Mortgage Protection
Published by
Michael Pfeil
Request path
Direct to the agent
Profile status
Active Public Profile

A clear path forward

How It Works

Start with your situation, review relevant options, and decide what fits.

  1. 01

    Review the mortgage

    Balance, payment, and years remaining set the target.

  2. 02

    Match coverage type

    Compare term lengths, cash-back designs, and illness riders.

  3. 03

    Protect the payment

    Apply for the plan that best fits your family.

Product education

Why This Coverage Matters

Keeps your family in their home if the unexpected happens.

Ask Michael Pfeil About This Coverage

  • No health exam required

    Simplified underwriting gets protection in place quickly.

  • Fixed payment rates

    Premiums designed to stay level while you pay down the loan.

  • Cash-back option

    Return-of-premium designs can refund premiums — or help pay the house off early.

  • Living benefits

    Optional riders can pay out for major illness or disability, not just death.

  • Family continuity

    Give loved ones time and choices instead of a forced sale.

Know before you apply

Common Questions

Get plain-language context before discussing your individual situation.

What's the difference between MPI, PMI, and MIP?
Mortgage protection insurance (MPI) protects you and your family. PMI protects the lender and is required when you put less than 20% down. MIP is FHA's version of lender protection and can't be removed. Only MPI pays your family anything.
Can it cover disability or serious illness?
Many plans offer riders that pay benefits if you become disabled or are diagnosed with a major illness — ask what's available for your situation.
Does the coverage have to match my loan?
No. The right amount depends on your budget, goals, and other coverage. Some families cover the full balance; others cover a few years of payments.
Is no-underwriting coverage always better?
Skipping underwriting is convenient, but can mean higher premiums — especially if you're healthy. Comparing both paths usually pays.

Direct agent request

Request a Mortgage Protection Quote

Share a few details and your request will go directly to Michael Pfeil.

  • Private request
  • Direct to agent
  • No obligation
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Tell Michael Pfeil What You Need

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Desired coverage amount