Most lending institutions offer mortgage life insurance as part of their mortgage packaging. But look carefully before you sign on the dotted line. You could find yourself locked into insurance that does more to protect your lender than you. Our goal is to protect your home. Not your lender.

You’ve worked hard to find just the right home. Shouldn’t you take the time to find just the right mortgage life insurance protection for you and your family?

The following summary illustrates the value of an insurance policy with an independent insurance company when compared to bank insurance.

BANK INSURANCE: INDEPENDENT INSURANCE

· Pays-off the mortgage balance only · Pays the insurance benefit not the mortgage balance

· Not transferable to another mortgage · Mortgage insurance fully transferable

· No option but to pay-off mortgage · Client decides how to use proceeds

· Moving will cause loss of insurance · Mortgage insurance moves with you

· Cost may rise if health poor when moving · Costs remain level for specified term

· Decreasing Term Insurance · Level Term for 10 Years

· Penalizes Casual Deposits · Rewards Casual Deposits