Protect Your Home...And Get Your Money Back

Return-of-Premium Life Insurance For Homebuyers

Peace of Mind, Built Into Your Mortgage

Buying a home is a big investment - and protecting it should be just as important. We work with your mortgage broker to help you put a simple, powerful plan in place. If something happens to you during the loan, this policy helps pay off your mortgage. 

What's a Return-of-Premium Life Policy?

  • Protects your mortgage during the term
  • Refunds all paid premiums (excluding add-ons) if you outlive it
  • Guaranteed fixed rates for the full term
  • No gimmicks, no penalties, no "use it or lose it"

Real Example: 30-Year Mortgage, $500,000 Coverage

Term Monthly Premium Premium Paid Over Term Premium Returned After 30 Years
30 Year ROP $158 $57,000 $57,000
20 Year ROP $125 $30,200 $30,200

*rates based on 40 year old male in best underwriting class

What Happens Next

  • You fill out the quick interest form below
  • We contact you to answer question - no pressure, just information
  • If it's a fit, we get you covered and coordinate everything with your loan timeline

Trusted by Your Lender. Backed by Cincinnati Life

We use policies from Cincinnati Life, one of the top rated and most financially secure insurance companies in the country. With more than a century of experience, you’re in good hands.

ROP Contact Form

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