Your family keeps the house. No matter what.
That's what mortgage protection insurance is for. If something happens to you, the policy pays off your mortgage — so your spouse and kids never have to leave the home you built together. Custom-tailored coverage from a licensed local Minnesota agent.
- Coverage tailored to your budget — not one-size-fits-all
- No medical exam options available
- Quick 15–20 minute consultation, no pressure
- Licensed Minnesota agent — not a call center
Request Your Free Quote
Send your info and I'll reach out within 1 business day to schedule a 15–20 minute consultation. No pressure, no spam.
Your mortgage doesn't go away when you do.
If you pass away, the bank still expects payments. Without a plan in place, your family could lose the home in a matter of months.
The mortgage keeps coming
Your monthly payment doesn't pause for grief. If your income disappears, the bills don't.
Your family carries the load
Your spouse and kids would have to figure out how to cover thousands a month — on one income or none.
Time is the enemy
Foreclosure can begin after just a few missed payments. Mortgage protection makes sure that day never comes.
Three simple steps to peace of mind.
You don't need to know anything about insurance to get started. I'll walk you through it.
Send your info
Fill out the form above. I'll reach out within one business day to schedule a quick consultation at a time that works for you.
15–20 minute consultation
We'll go over your mortgage, your family situation, and coverage options that actually fit your budget — no jargon, no pressure.
Coverage in place
Most clients are approved within a few days, sometimes the same day with no medical exam required.
Isn't this what PMI is for?
No — PMI protects the bank if you stop paying. Mortgage protection life insurance protects your family.
Hi, I'm Steven Carlton.
I help Minnesota homeowners make sure their families never have to worry about losing the house. I'm independent, which means I shop multiple top-rated carriers to find you the best rate — not just one company's product.
Most of my clients are families with a new mortgage, young kids at home, or both. I keep the conversation simple, the paperwork short, and the pressure at zero.
Quick answers to the things people ask me most.
How much does mortgage protection insurance cost?
It depends on your age, your health, the coverage amount you need, and the term length you choose. I custom-tailor the options to fit your budget — whether you want maximum coverage or just enough to keep your family in the home, I'll walk you through what each option looks like and you decide what works for you. The only way to know your real numbers is to request a quote.
Do I need a medical exam?
Not always. Many of the carriers I work with offer no-exam policies for coverage amounts under $500,000. We can often get you approved based on a few health questions and an instant database check.
What if I already have life insurance through work?
Employer-provided life insurance is a great supplement, but it typically only covers 1–2x your salary and disappears the day you leave the job. Mortgage protection is yours regardless of where you work, and the coverage amount is designed specifically around your mortgage.
Will the payout go to the bank or to my family?
The benefit is paid directly to whoever you name as the beneficiary — usually your spouse. They decide whether to pay off the mortgage, invest the money, or both. The bank has no claim on it.
Can I get coverage if I have a health condition?
Often yes. The carriers I work with cover a wide range of conditions, and because I'm independent, I can shop your case to the company most likely to approve you at the best rate. It's worth getting a quote even if you've been declined elsewhere.
Are there living benefits if I get sick or hurt?
Most modern mortgage protection policies include "living benefits" — meaning you can access a portion of your death benefit early if you're diagnosed with a chronic, critical, or terminal illness. We'll go over which carriers offer this.
What happens if I pay off my mortgage early?
You keep the coverage. The policy isn't tied to your mortgage contractually — it's just life insurance sized around it. If you pay the home off early, you can keep the policy for your family's other needs or cancel it. Your choice.
Get your free quote today.
A quick 15–20 minute conversation could save your family the home you worked years to buy. No pressure, no spam, no obligation.
Request My Free Quote →Or call directly: (952) 333-9355