“Discover The Better Way To Insure Your Mortgage”

Mortgage Insurance isn’t always Mandatory But
You Have An Important Choice About Where To Get It


puzzle_guyBefore you sign on the dotted line, you need to know this: Once your mortgage is approved, your lender will offer you a product called Mortgage Protection. Don’t sign it!

The 4 Problems with Lender Mortgage Protection That We Solve:

  1. Usually more expensive.
  2. Decreases in value as you payoff your mortgage (but the price remains the same)
  3. Price often increases at mortgage renewal.
  4. May use “post-claim underwriting” meaning if a death occurs, you lender insurance will investigate into your medical history at that time and decide if they will pay out

Get Better Value, Better Guarantees, More Flexibility and Lower Cost

Getting a term life insurance policy to cover your mortgage puts YOU first and has many benefits over a Lender’s Mortgage Protection:

  • You own the policy and you name the beneficiary.
  • You can choose to continue your life insurance policy after the mortgage is paid off.
  • You can choose to get a policy for more than the amount of your mortgage.
  • Your beneficiary receives the money and they decide where to use it.
  • Your coverage and premiums stay the same from start to finish.
  • Your medical information is secured at the time of application with a guaranteed payout regardless of how your health changes.
  • And more!


Peter Sundborg
Executive Director at Barrie Food Bank – June 29, 2016,
Kris is an expert in her field, who is passionate, detailed and very customer centre. Kris focuses on your needs whether it be life insurance, retirement planning or benefits for your business.
While Kris is a leader in her field so is also a strong community leader in her volunteer work. Having worked closely with Kris on many major fund raisers for the Barrie Food Bank that have had a substantial impact on those people who are experiencing poverty. Kris is just a great person and I would highly recommend her to my family and friends.

With a term life insurance product, your family is protected. With your Lender’s Mortgage Protection product, your lender is protected. Which would you choose?

Kris Hughston
Kris Hughston

Call Me Today and understand your choice