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What is a return of premium rider?
If you have a medical condition or have been denied in the past...
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To provide low cost, high quality products and services that are fair, honest, and in the best interest of our clients.

We provide quick turn around time and high quality personal service by licensed, experienced representatives. Unlike other insurance internet sites, we would be happy to hear from you. We are always willing to take your call!

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What is Return of Premium rider?
This extra benefit rider provides for the return of total premiums paid for the policy and any additional riders at the end of the initial term period. If you choose to terminate the policy prior to the end of the initial term period, a portion of the premiums will be returned. Any refund will be decreased by any benefits that have been paid out.

Mortgage Protection Insurance
For most people, their home is the largest and most important financial investment. A home represents the family's financial foundation. Your home is not only an asset but it is the cornerstone of your family. The loss of an income provider is not only emotionally devastating, but it can put a financial strain on the remaining family members. The unexpected loss of income can put your home in jeopardy. Without the ability to make the mortgage payments, your home can be at risk for foreclosure.

Mortgage protection insurance is specifically designed to pay off the mortgage debt in the event of a death or help make the mortgage payments in the event of disability. Most mortgage protection plans can be customized to fit every mortgage need, and can present an affordable solution.

Mortgage protection insurance is similar to term insurance where your term can range from 5 to 30 years. If your refinance or pay off your mortgage early, your insurance still stays in force until the end of your initial term as long as you continue paying the premiums.

Additional riders that can be attached to this policy are the return of premium rider, disability rider, waiver of premium rider and an additional insured rider for a spouse.

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