Mortgage protection
Could your family keep the house?
Mortgage protection is a goal, not a single product. The real question is whether your family could keep paying the mortgage, and everything else, without your income.
Calculate My Protection NeedStart with the balance, not the payment
Paying off the remaining balance removes the largest fixed obligation most households carry. Enter your current balance in the calculator and it becomes part of your protection estimate.
Then add the income that runs the house
A paid-off house still has taxes, insurance, maintenance, groceries and childcare. That's why mortgage protection and income replacement usually belong in the same conversation.
Match the timeline
Some families align coverage length with the years remaining on the loan; others prefer permanent coverage for reasons beyond the mortgage. Neither approach is universally correct, the fit depends on budget, timeline, health and goals.
Watch the employer-coverage assumption
Group life through an employer commonly ends with the job. If it's a large part of your plan for the mortgage, it's worth confirming what happens if you change employers.
This calculator provides an educational estimate based on the information you enter. It is not an insurance quote or recommendation and does not determine eligibility, underwriting, premium, policy performance or coverage availability. Actual insurance needs and options should be reviewed with a qualified licensed professional.