Protect Your
Family's Biggest
Investment
Mortgage Defender ensures your family keeps their home — no matter what life throws at you. Comprehensive coverage for death, disability, and critical illness.
Protected in 3 Easy Steps
From first estimate to full coverage — the whole journey takes less than 48 hours.
01
Get Your Instant Estimate
Use our free calculator to enter your mortgage amount, term, and age. See your estimated monthly premium in under 60 seconds — no personal details required at this stage.
02
Complete a Simple Application
Fill out our short online form. No lengthy paperwork, no medical exam for coverage under $500K — just a straightforward health questionnaire and a few personal details.
03
Get Covered in minutes
Our underwriting team reviews your application and delivers a decision fast. Once approved, your coverage activates immediately and your family is protected from day one.
Ready to get started?
Trusted, Regulated & Recognized
AM Best
A+ Rated
Financial Strength
BBB
A+ Accredited
Better Business Bureau
NAIC
Member
Natl. Assoc. of Insurance Commissioners
NAILBA
Certified
Independent Life & Health Brokers
LIMRA
Member
Life Insurance & Market Research
SOA
Compliant
Society of Actuaries Standards
Coverage That Adapts
To Your Needs
Three powerful layers of protection designed to keep your family in their home, whatever life brings.
Death Benefit
Full mortgage payoff on passing
- Pays off your entire remaining mortgage balance
- Immediate payout — no waiting period after 2 years
- Coverage up to $1.5 million
- Portable — moves with you if you refinance
- Guaranteed renewable up to age 75
Disability Coverage
Payments covered when you can't work
- Covers monthly mortgage payments during disability
- Activates after 60-day elimination period
- Covers up to 24 months per disability event
- Includes partial disability provisions
- No medical exam for amounts under $500K
Critical Illness
Lump sum on serious diagnosis
- Covers 30+ critical illness conditions
- Lump-sum payment upon diagnosis
- Includes cancer, heart attack, stroke & more
- Benefit paid regardless of ability to work
- Survivor benefit included at no extra cost
$1.5M
Max Coverage
30+
Illness Conditions
95%
Approval Rate
1hr or less
Average Approval
Mortgage Defender vs.
Traditional Life Insurance
Purpose-built mortgage protection beats a generic life policy every time. Here's exactly why.
Feature
Mortgage Defender
Traditional Life
Insurance
~$47/mo
avg. estimate
~$174/mo
avg. estimate
* Estimates based on a 38-year-old with a $350K mortgage, 20-year term.
for mortgages
Mortgage Defender vs.
The Competition
We compared the top mortgage protection providers on price, coverage, speed, and flexibility. See for yourself.
Mortgage DefenderBest Choice* Data based on publicly available information and independent research. Rates are estimates for a 38-year-old with a $350K mortgage, 20-year term, all-coverage bundle.
95%
Approval Rate
Simple Requirements,
Fast Approval
We've made qualifying as straightforward as possible. Most applicants receive a decision within 48 hours — no lengthy medical exams required.
Age 18–65
Coverage available for homeowners between 18 and 65 years old at time of application.
Active Mortgage
Must have an existing residential mortgage on a primary or secondary residence.
Basic Health Requirements
No medical exam required for coverage under $500K. Simple health questionnaire only.
U.S. Resident
Available to U.S. citizens and permanent residents in all 50 states.
Mortgage Under $1.5M
Coverage available for mortgages up to $1.5 million in outstanding balance.
No Prior Bankruptcy
Applicants must not have declared bankruptcy within the past 3 years.
Get Your Personalized Quote
Instant estimate in under 60 seconds. Adjust the sliders to match your situation.
$350,000
20 Years
38 yrs
Estimated Monthly Premium
$98/mo
That's approximately $1,176/year — saving you up to $212/yr vs. traditional life insurance.
* Estimates are illustrative only. Final premiums depend on full underwriting review.
Built by People Who
Know What's at Stake
Mortgage Defender was born from a personal experience. In 2007, our founder Margaret watched her parents face the devastating prospect of losing their family home after her father suffered a heart attack — all because their mortgage wasn't protected.
That moment sparked a mission: to make comprehensive, affordable mortgage protection available to every American homeowner — without the red tape, the medical exams, or the weeks of waiting.
2008
Founded
500K+
Families Protected
$2.1B+
Claims Paid
All 50
States Licensed
A+
AM Best Rated
Meet Our Leadership Team
Margaret Holloway
CEO & Co-Founder
20+ years in mortgage lending. Margaret founded Mortgage Defender after watching her own family struggle with an unprotected mortgage following her father's illness.
Daniel Reeves
Chief Underwriting Officer
Former actuary at a top-5 U.S. insurer. Daniel designed our streamlined underwriting model that gets 95% of applicants approved within 48 hours.
Priya Nair
Head of Customer Success
Priya leads our 24/7 support team and has personally overseen more than 12,000 claims — ensuring every family gets the payout they deserve, fast.
16 Years of Protecting Families
Founded in Austin, TX with a mission to make mortgage protection accessible to every homeowner.
Reached 50,000 protected families and expanded licensing to all 50 U.S. states.
Launched our no-medical-exam underwriting model, cutting approval time from weeks to 48 hours.
Paid out over $500M in claims during the pandemic — zero claims denied for covered conditions.
Surpassed 500,000 protected families and $2.1B in total claims paid. A+ rated by AM Best.
Real Stories From
Protected Families
Don't just take our word for it. Here's what our customers say about Mortgage Defender.
Sarah & Tom Mitchell
Austin, TX
“When Tom was diagnosed with cancer last year, the last thing we wanted to worry about was our mortgage. Mortgage Defender paid out within 3 weeks of diagnosis. We could focus entirely on his recovery.”
James Okafor
Atlanta, GA
“I was skeptical at first — seemed too good to be true. But after comparing 6 different providers, Mortgage Defender had the best rates and the most comprehensive coverage. Application took 20 minutes.”
Linda & Carlos Reyes
Phoenix, AZ
“Carlos had a back injury that kept him out of work for 8 months. Our disability coverage kicked in immediately after the elimination period and covered every single mortgage payment. Absolute lifesaver.”
Patricia Nguyen
Seattle, WA
“As a single mom, protecting my home is everything. The agent walked me through every option patiently. I got coverage that fits my budget perfectly. I sleep so much better knowing my kids won't lose their home.”
Derek & Amy Thornton
Chicago, IL
“We refinanced last year and were worried about losing our coverage. Mortgage Defender made the transition seamless — same rates, same coverage, zero hassle. Truly portable protection.”
Marcus Williams
Houston, TX
“The online calculator gave me an accurate estimate that matched my actual premium almost exactly. No hidden fees, no surprises. The transparency alone made me choose Mortgage Defender over competitors.”
4.9/5
Average Rating
500K+
Families Protected
$2.1B+
Claims Paid
A+
AM Best Rating
Share & Save —
Together
Know a homeowner who should be protected? Refer them and you both walk away with a discount.
Share Your Link
Get your unique referral link and share it with friends, family, or neighbours who own a home.
Friend Gets Covered
When your friend gets a quote and activates a policy, the referral is automatically tracked.
Both of You Save
You get $50 off your next renewal. Your friend gets 10% off their first year. Win-win.
$50
You get off
your renewal
10%
Friend saves
first year
Your referral link
Share directly via
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Jennifer M.
Austin, TX
David K.
Denver, CO
Rosa T.
Miami, FL
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referral link
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Frequently
Asked Questions
We believe in full transparency. Here are the most common questions homeowners ask before getting covered.
Still have questions?
Our specialists are here 24/7
1hr
Avg. Approval Time
30-day
Money-Back Guarantee
Your Mortgage Defender policy is fully portable. If you sell your current home and purchase a new one, you can transfer your existing coverage to the new mortgage — often with no additional underwriting required. If you choose not to transfer, you can cancel your policy at any time with no penalty.
Coverage for accidental death begins immediately upon policy activation. For natural causes of death, there is a standard 2-year contestability period. Disability coverage activates after a 60-day elimination period from the onset of disability. Critical illness benefits are payable upon confirmed diagnosis, with a 30-day survival period required.
Mortgage Defender offers two payout structures. With a decreasing benefit policy, the payout mirrors your outstanding mortgage balance and decreases over time as you pay it down — keeping your premiums lower. With a level benefit policy, the payout stays fixed at the original mortgage amount regardless of how much you've repaid, giving your family extra financial flexibility.
No medical exam is required for coverage amounts under $500,000. You'll simply complete a short health questionnaire during the application process. For coverage amounts between $500,000 and $1.5 million, a brief phone interview with a nurse may be required. 95% of applicants are approved within 48 hours.
Refinancing is straightforward with Mortgage Defender. You can update your policy to reflect the new loan amount and term. If your new balance is lower, your premiums may decrease. If it's higher, a simple top-up application is all that's needed — no full re-underwriting in most cases.
Yes. We offer joint policies that cover both partners under a single premium. In the event of a claim, the full benefit is paid out and the surviving partner's coverage continues. Joint policies typically offer a 10–15% discount compared to two separate individual policies.
Our critical illness benefit covers 30+ conditions including cancer (life-threatening), heart attack, stroke, major organ transplant, kidney failure, multiple sclerosis, Parkinson's disease, severe burns, and more. A full list of covered conditions is provided in your policy documents and available on request before you apply.
Absolutely. There are no lock-in periods or cancellation fees. You can cancel your policy at any time by contacting our support team. If you cancel within the first 30 days, you'll receive a full refund of any premiums paid — no questions asked.
Ready to Protect
Your Family's Future?
Join over 500,000 homeowners who trust Mortgage Defender. Get your personalized quote in minutes — no obligation.
Request Your Free Quote
Fill in your details and a specialist will contact you within 24 hours.
