Mortgage protection insurance for Illinois and Wisconsin homeowners

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Keep Your Home in the Family

Life Insurance That Matches Your Loan

Mortgage protection is typically term life insurance sized to pay off the balance if the insured passes away. The benefit goes to your chosen beneficiary who can retire the loan, cover taxes, or keep savings intact. Maple Leaf Insurance Agency helps new homeowners in Rochelle, DeKalb, Chicago suburbs, Madison, and Milwaukee align coverage to the years left on the mortgage.

How It Works

Coverage That Fits Your Timeline

  • Coverage matches your mortgage
    Pick a term similar to the years remaining and a benefit near the balance.
  • Payout to your family
    Modern policies pay your beneficiary, not the bank, so your family decides how to use funds.
  • Level or decreasing
    Choose a level benefit for more flexibility or a decreasing option that tracks a shrinking loan.
Why Choose This Approach

Practical Protection for a Big Commitment

Affordable premiums since it is term based. Peace of mind that the home can stay in the family. Works well with other coverage so income and housing are both protected. For households balancing needs, we can coordinate with whole life insurance for lifelong goals.

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Mortgage Protection FAQs

Clear Answers Before You Apply

  • Is this the insurance the lender offers

    We use independent policies that you own which are often more flexible and competitively priced.

  • What if I refinance or move

    Your policy stays with you. We can adjust if needed.

  • Should both spouses be insured

    Often yes. We will review income, childcare needs, and loan payments to set a plan that feels right.