mortgage protection plan

Homeowners purchase mortgage protection only for two reasons, they owe someone or they love someone.

Mortgage protection is not like regular life insurance where you need to die to trigger a lump sum payout. In the event of a premature death or long-term disability, this asset protection strategy will fund your mortgage in a tax-free lump sum or series of payments.

How much does it cost? If you qualify, you choose your own monthly payment based on the plan design of your choice.

How do I qualify? I will assist you with application, free medical exam, and the acceptance of offers.

What’s an Offer? An offer is when your health classification is issued by an insurance co. That's when you choose your plan/price.

Any agent can give you a quote up front, but quotes are useless as they are equivalent to a mortgage rate quote without a credit check.

Can I keep my life insurance and have this plan? Yes

Can I get my money back if I never use the plan? Yes, you can choose that option too.

Do I need a trust or will? This plan will have multiple beneficiary options. You won't need a Trust or Will for this plan, but you might need it for other financial reasons, such as minors, avoiding probate, avoid losing your house to California's Medicaid/Medi-cal recovery after death.

To avoid bankruptcy, foreclosure, and homelessness, add Mortgage Protection to your financial foundation.

Avoid losing your home to the three D's. Death, Disease, Denial.

Due to Covid-19 I'm still making house calls, but meetings are conducted in front or back yards while I wear a mask.

Text me back to set up a phone call to go over a few medical questions. If preliminary phone call goes well, we can meet in person on a later date.

Sincerely, Mr. Salas, CA Lic#0C90777