If you’re like most families, your home is your largest asset – help protect It

Do I need mortgage protection insurance?

None of us can know when we’ll pass away or become critically ill or disabled. If you are a homeowner or in the process of buying a home, or real estate, it makes sense to apply for mortgage protection insurance coverage today.

Peace of Mind

For most families in Massachusetts, the home is the largest asset – and your largest financial responsibility, so it makes sense to help protect that asset. Paying your mortgage is a valuable option with life insurance, allowing your family to stay in your home after you’re gone.

Set for Life

Mortgage protection insurance in Massachusetts is an affordable Term Life insurance policy designed for homeowners. With up to $1 million in mortgage payment coverage, you can get a flexible, affordable policy delivered to your inbox in less than 10 minutes.

Tailored Cover

No medical exam required, apply in minutes online or with the help of a licensed Life Insurance agent. Up to $1 million in mortgage payment coverage that can last until your mortgage is fully paid off — timing is up to you.
Mortgage insurance agent Boston MA

Protect what you love

If you’re like most American families, your home is your largest asset – and your largest financial responsibility, so it makes sense to help protect it. Paying your mortgage on time is a valuable option with life insurance, allowing your family to stay in your home after you’re gone.


Mortgage Insurance

Mortgage Insurance Policies are meant to be flexible, so your local agent/producer can help you tailor them to your specific situation. If you have questions about life insurance, want to learn more about the policy details or just want to discuss your options, we're here to help.

Final Expense Insurance

Protect Your Home

When you purchase mortgage protection insurance with Access Life Insurance: either online or with the support of our licensed agents in Massachusetts, you are choosing peace of mind, knowing that your mortgage payments wouldn’t burden your loved ones if you pass away or face income loss due to a critical illness or disability. Make the choice to protect your family from losing your home and start your mortgage protection application today!

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      945+ Reviews

      This insurance is a small price to pay for peace of mind and knowing that your family willl have a roof over their heads when you die. I highly recommend this product and the staff at this company is very helful.

      David Gomes Mortgage Insurance | Lowell MA

      I dont know why I did not sign up for this product earlier to protect my family and mostly with Covid-19 Pandemic, a person cannot take life for granted. I was given insurance rates by difference carriers so the choice was easy to make!

      Maria McCarthy Life Insurance | Newton MA

        What happens if...

        What the mortgage protection insurance does is offer you an option to have payments available so that you won’t default or foreclose on the mortgage,

        Mortgage protection insurance (MPI) is a type of life insurance policy that offers dual benefits and helps the family with a mortgage if you die.

        Mortgage insurance may sound similar to Private Mortgage Insurance (PMI), but they’re entirely different. PMI protects the bank or lender in case a homeowner stops paying a mortgage. If you’ve purchased a home with less than 20% down, your lender probably required you to purchase PMI.

        Mortgage insurance helps pay a portion or all of your mortgage if you were to die. Depending on the policy, mortgage insurance may pay off the entire mortgage, a portion or for a period, such as five years. The longer the length and size of the payoff, the more you’ll likely pay for the protection.

        Mortgage insurance is one way to protect your home, but there are other options, including term life and permanent life, such as a whole life policy. Most mortgage insurance policies are similar to term life policies. But there are notable differences. The advantage of purchasing mortgage protection insurance is that you may not need a medical exam.

        Our advice is to purchase life insurance to cover the mortgage in the event one of the homeowners dies prematurely. Don’t just buy an amount of life insurance equal to the mortgage amount – you probably have other financial bases to cover.

        No matter what policy you decide, we shop around for you to find the right plan. Mortgage life insurance can be a wise choice if what’s most important is to pay off your mortgage and get a policy that would also pay your mortgage if you become disabled or lose your job.

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