Start with your mortgage balance, but consider adding enough to cover property taxes and maintenance costs too.

Match your mortgage term (30-year policy for a 30-year mortgage), or choose a shorter term if you plan to pay off your mortgage early.

Level term (where the benefit stays the same) offers more flexibility for your family than decreasing term (where the benefit shrinks over time).

Unlike mortgage insurance that can be canceled during refinancing, your term policy stays in force regardless of changes to your mortgage.

Absolutely! Unlike mortgage insurance (which pays the lender directly), your beneficiaries receive the money and can use it for anything, like mortgage, education, living expenses, or whatever they need most.

Your term policy moves with you – it's tied to you, not to a specific property.

You'll have options to renew, convert to permanent insurance (if available), or purchase a new policy if you still need coverage.

A basic term policy covers death only, but you can add riders that protect you if you become disabled or seriously ill.

Our firm works with carriers who include these riders at no extra charge.

You'll name beneficiaries (usually your spouse or children), and can set up a trust for minor children.

Let us handle that for you! Financial Awakening compares multiple top-rated companies to find your best option.

We will review your options during your no-cost/no-obligation appointment.