Mortgage protection for homeowners
Protect your new home with mortgage protection insurance.
If something happens to you, a mortgage protection life insurance policy can pay off the home so your family can stay. It pays your family, not the bank, and it isn't tied to your lender. A licensed agent compares quotes from several insurers in one call.
For new coverage only. For an existing policy or a claim, please call your insurance company.
Monday to Friday, 9am to 8pm ET. Saturday and Sunday, 10:30am to 5pm ET. Free quote, no obligation.
Licensed agents · Several insurers in one call · Apply by phone
Free quote
Talk to a licensed agent now.
- Free quote
- No obligation to buy
- Your info is never sold
Eterna is an independent insurance agency, not an insurance company. Your policy is issued by the insurer you choose.
What you can get
Why homeowners choose mortgage protection.
Your agent compares mortgage protection plans from several insurers and explains the options in plain terms.
Pays your family, not the bank
The benefit goes to your beneficiary, who decides whether to pay off the mortgage or use it another way.
Matches your loan
Pick a coverage amount and term that fit your mortgage balance and the years left.
Not tied to your lender
The policy stays with you if you refinance, move or change lenders.
Living benefit options
Some plans pay part of the benefit early for a terminal, chronic or critical illness. Riders vary by insurer and state.
How it works
Your quote in one call.
- Call (844) 791-5517Tell a licensed agent what you're looking for.
- Answer a few questionsYour age, state, the coverage you want and some health details.
- Compare quotesYour agent checks plans from several insurers and explains each one.
- Apply by phoneIf a plan fits, apply on the same call. No obligation.
Before you call
Have this ready.
- Your date of birth
- Your height and weight
- Medications and any health conditions
- Who you'd like as your beneficiary
- How you'd like to pay the first premium
Monday to Friday, 9am to 8pm ET. Saturday and Sunday, 10:30am to 5pm ET.
Insurers
Companies our agents are appointed with.
Plans, prices and availability vary by insurer, age, health and state.
Questions
Common questions.
What is mortgage protection insurance?
Life insurance, usually term, sized to your mortgage. If you die during the term, the benefit is paid to your beneficiary, who can use it to pay off the home.
How much does mortgage protection insurance cost?
It depends on your age, health, tobacco use, the coverage amount and how many years you want it to last. Your agent compares prices from several insurers on the call so you can pick a plan that fits your budget.
I just bought a home. When should I get coverage?
Your price is based on your age and health when you apply, so many new homeowners look at coverage soon after closing. It only takes one call to compare quotes.
Is this the same as my lender's mortgage insurance (PMI)?
No. PMI protects the lender if you stop paying. Mortgage protection life insurance pays your family if you die.
How much coverage do I need?
Many people match their loan balance, and some add more for other bills or lost income. Your agent helps you pick an amount and a term.
Do I need a medical exam?
Many plans don't. Most ask a few health questions instead, and larger amounts may need an exam.
Will my premium go up?
Term premiums stay level for the term you choose, then rise if you renew.
How fast can coverage start?
You can apply by phone during your call, and some insurers give a decision the same day. Coverage starts once the insurer approves the application and receives the first premium.
Are you the insurance company?
No. Eterna is an independent insurance agency. Our licensed agents are appointed with several insurers and help you compare their plans. Your policy is issued by the insurer you choose.
Can you help with my existing policy or a claim?
No. This line is for new coverage only. For an existing policy, a payment, a loan or a claim, please call your insurance company directly. The number is on your policy or your premium notice.
Do I have to buy anything?
No. Your quote is free and there's no obligation. If you decide to apply, your agent walks you through the application by phone.
About Eterna
On your side, not the insurer's.
Independent
We compare several insurers, not just one.
Licensed agents
Licensed agents walk you through every option.
No obligation
Your quote is free. You decide if and when to apply.
Next step
Ready for your quote?
A licensed agent can compare plans from several insurers in one call. No cost, no obligation.