Keep Your Home, No Matter What

Mortgage Protection from CGJ Financial

• Who this helps: Homeowners, new buyers, families refinancing

• Primary goal: Keep the home—no matter what

• What we set up: Right-sized life insurance (and optional riders) aligned to your loan amount + term

• Outcome: Peace of mind and a payment plan that fits your budget

Why Mortgage Protection Matters

Life happens fast—job changes, market swings, unexpected health events. If something happens to a primary earner, the mortgage payment doesn’t pause. Mortgage Protection is a simple, affordable way to protect the roof over your family’s head so the people you love can stay in the home you worked so hard to build.

How Your Plan Works (Simple & Clear)

1. Right-size the coverage
   We match coverage to your loan balance and term (e.g., 20–30 years) so the mortgage can be paid off or payments covered if the worst happens.

2. Choose your structure

   • Term life for mortgage: Maximum protection per dollar during your highest-risk years.

   • Permanent life: Lifetime coverage with cash-value potential for added flexibility (subject to policy terms).

3. Add protection options (if available in your state)

   • Disability income rider: Helps cover payments if you can’t work.

   • Critical/terminal illness riders: Access a portion of benefits during covered events.

4. Review annually
   We adjust as your balance drops, your income changes, or you refinance—keeping your plan tight and cost-effective.

What You’ll Get with CGJ Financial

• Clarity, not jargon: We explain options in plain English and show side-by-side quotes.

• Choice & strength: We shop A-rated carriers (15+) to fit your budget and timeline.

• A plan that fits your life: Coverage that aligns with your loan, income, and goals—not a one-size-fits-all product.

Prefer the deep dive? See how mortgage protection works here: /solutions-personal/mortgage-protection

Real-World Example (Illustrative)

A family purchases a home with a 30-year mortgage. We set a 30-year term policy sized to the loan, add a critical illness rider, and calendar a yearly review. If tragedy strikes, the mortgage can be paid off—the family keeps the home. If life goes as planned, they’ve had decades of peace of mind for a modest monthly cost. (Example only; results vary.)

FAQs (Straight Answers)

Is this the same as PMI?
No. PMI protects the lender if you default. Mortgage Protection protects your family by providing money to pay off or cover the mortgage.

Can I use a policy I already have?
Sometimes. We’ll review your current coverage to see if it aligns with your loan amount, term, and riders—and fill gaps if needed.

What happens if I refinance?
We revisit coverage at each refinance to right-size amounts and term so you’re not overpaying or under-protected.

How much does it cost?
Rates depend on age, health, coverage amount, and term. We shop multiple carriers to fit your budget and priorities.

Ready to Protect Your Home?

Keep your family in the home they love—no matter what life brings.

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