Prepared forYou and your spouse
Death benefit$320,000
- Term
- 30 years
- Covers to
- 2056
- Age band
- 30–39
- Rate class
- Non-tobacco
- Spouse
- Living benefits
- Return of premium
Eleven carriers. One plan for your house.
Sara Nazary compares mortgage protection across 11 carriers and shows you the options in plain English.
Independent licensed agent · Free to compare
Call or text Sara(214) 240-1666
PMI protects the bank. This protects your family.
Paying PMI does not mean your family is covered.
PMI
Often required with less than 20% down.
- Who it protects
- Your lender
- Who gets paid
- Your lender
- What your family gets
- Nothing
Mortgage protection
Life insurance you own, sized to your loan.
- Who it protects
- Your family
- Who gets paid
- The people you name
- What your family gets
- A lump sum to pay off the house or keep up the payments
Coverage builder
Sketch the plan your house needs.
Move the sliders. No prices, no personal details.
$
$50k$1M
26 yrs
130
Your age
Tobacco in the last 12 months?
- Death benefitMatched to your balance. Paid to the people you name.
- 30-year termRounded up so it outlasts your 26 years left.
- Your spouseOne joint policy or two separate ones. Sara compares both.
- Living benefitsUse part of the benefit early after a qualifying serious illness.
No prices here. Your rate depends on your health and the carrier.
How it works
- 1
Tell Sara about the house
What you owe, the years left, and who is on the loan.
- 2
She shops 11 carriers
Your options, side by side, in plain English.
- 3
You pick, or you pass
Sara helps with the application. If nothing fits, you owe nothing.
Meet Sara
Sara Nazary is an independent licensed life insurance agent focused on mortgage protection.
A captive agent sells one company’s policies. Sara works with 11 carriers, so she can shop for the one that fits your age, health and budget.
Sara Nazary
Independent licensed life insurance agent
- Focus
- Mortgage protection
- Licensed in
- TX, NC, WA, TN, AZ
- NPN
- 19664430
- Call or text
- (214) 240-1666
Carriers Sara works with
- Mutual of Omaha
- Corebridge
- Foresters
- United Home Life
- Liberty Bankers
- American Amicable
- F&G
- SBLI
- Legal & General America
- American Home Life
- Kansas City Life
Let Sara do the shopping.
Answer a few questions. Sara comes back with real options from the carriers she works with.
- Goes to Sara directly
- Never sold to other agents
- Free, no obligation
Rather talk? Call or text(214) 240-1666
What is mortgage protection?
Life insurance, usually term, sized to your mortgage. If you pass away during the term, it pays a lump sum to the people you name. They decide how to use it: pay off the house, keep up the payments, or cover other bills.
Is this the same as the PMI on my loan?
No. PMI protects your lender and pays your family nothing. Mortgage protection is a policy you own that pays the people you choose.
Why am I getting letters about this?
Mortgages are public record, so new homeowners get a lot of this mail. It comes from insurance agencies, not your bank or the government. Coverage is never required to keep your loan.
Do I need a medical exam?
Often not. Many carriers decide from a phone interview and health questions. Sara will tell you which options need an exam before you apply.
What are living benefits?
Riders that let you use part of your benefit early after a qualifying critical, chronic or terminal illness. Rules differ by carrier.
What does it cost?
It depends on your age, health, tobacco use, coverage amount, term and riders. Different carriers can price the same person very differently, which is why Sara compares. Comparing is free.
What if I refinance or sell the house?
The policy belongs to you, not the loan. It stays in force through the term as long as premiums are paid.
Is Sara my lender or a government program?
No. Sara is an independent licensed life insurance agent, not connected to your lender, HUD, FHA or the VA. If you buy a policy, the carrier pays her a commission. It is not added to your premium.