Your Bank’s Mortgage Insurance Protects Them — Not You
Same cost. Better protection. Full control.
Think your mortgage is covered? Not quite.
If you bought mortgage insurance through your bank or lender, it’s designed to protect them — not your family.
Here’s the reality:
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Coverage amount drops as you pay down your mortgage
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The bank decides if your claim is approved
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You can’t take it with you if you change lenders
Personally Owned Life Insurance puts you in charge.
With the right plan, you can:
✅ Get coverage that stays the same for the full term you choose
✅ Have the payout go directly to your loved ones — tax-free
✅ Keep your policy if you move, refinance, or switch lenders
|
Bank’s Plan |
Your Plan |
|---|---|
|
Covers the bank, not you |
Pays your family directly, tax-free |
|
Premiums stay the same while coverage drops |
Coverage stays the same for the term |
|
Can’t take it with you if you switch lenders |
You own and control it |
We specialize in helping homeowners replace their bank mortgage insurance with personally owned coverage that works better for your life.
No jargon. No pressure. Just a smarter, safer plan for your home and family.
Own your mortgage protection — don’t rent it from the bank.
No obligation. No sales pitch. Just clear answers.
See the Difference:
“Shannon made switching so easy — now I have more coverage for less money, and it follows me if I move.” — Sarah M., Victoria