INSURANCE SERVICES
Life Insurance Services
At PNT Financial Services, we want to make sure you have all the information you need to confidently make the best decisions for your family. We are partnered with One Life America, Inc., who provides our business with over 40 "A+" rated insurance companies so we can provide you with a completely customized plan, providing the coverage you need.
Whether you’re deciding between life insurance options or considering final expense coverage, our Financial Professionals and Licensed Advisors are here to help you decide which insurance plan best fits your needs, and is well within your budget. We have options for those with diabetes, COPD, and other health issues. If you have been declined or told you can't get coverage, contact us and we'll discuss affordable options.
Click below to view our life insurance products:
In order to offer our clients value that will financially put their families in a better situations, we we offer a variety of "A+" rated companies that we represent. Our main goal is to put your Business and Families First.
Protecting Your Home
Mortgage Protection
Is your home covered if life happens unexpectedly? We can help save your home in case of death, disability, cancer, heart attack, stroke, etc. We specialize in true mortgage protection life insurance to protect against many causes. Contact one of our Licensed Advisors to discuss what your options are.
What is Mortgage Protection Insurance?
Mortgage protection insurance is a type of term life insurance that is designed to pay off your mortgage in the event of your death. It functions like a standard term life policy: You purchase a policy for a set period, make monthly payments, and if you pass away while the policy is in force, your chosen beneficiary receives funds to pay off your mortgage. This coverage ensures that your family could stay in their home if you were no longer able to contribute to mortgage payments.
Mortgage protection insurance is right for you if you want to:
Protect your most valuable asset
Ensure your loved ones never have to deal with the fear of losing their home
Provide financial security if the unthinkable happens
Why Do I Need Mortgage Protection Insurance?
As a homeowner, being able to pay your mortgage on time every month is important. What would happen to your loved ones if you were to die prematurely, become disabled or critically ill, and your income suddenly disappeared? None of us know what the future will bring, but you can achieve peace of mind today with mortgage protection insurance.
Advantages of Mortgage Protection Insurance
Provides a death benefit to pay off your mortgage in the event of your death
Pays your mortgage payments if you become disabled
Protects your mortgage payments in the event of critical illness
Provides benefits from a life insurance policy with generally affordable premiums
Achieves peace of mind for your home and family
How Mortgage Protection Works
Mortgage protection insurance functions much like other life insurance policies: You pay premiums to the insurance company to purchase a specific amount of mortgage protection coverage. Those premiums are based on your attained age and your health, as well as the value of your home and the payoff amount. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage.
Frequently Asked Questions
What is the difference between mortgage protection insurance and homeowners insurance?
Mortgage Protection Insurance
Money goes to your family
Pays your mortgage if you become sick or injured
Money your family receives is tax free
Makes your premiums in case of job loss*
Is portable – new home? It travels with you
*Available in most states. Limitations may apply. Benefits and carriers will vary for coverages and are subject to underwriting approval, product limitations and availability.
Homeowners Insurance Covers:
Damage to your home in severe weather and water conditions
Theft of your belongings
Vandalism of your house and property
Fire damage to your home
Personal injury lawsuits if someone gets hurt on your property
Do I qualify for mortgage protection insurance?
In most cases, yes! Mortgage protection insurance has a very high acceptance rate as most plans are offered with simplified underwriting (you won’t have to take a medical exam to qualify).
When should I buy mortgage protection insurance?
If you have a mortgage on your home, or if you are in the process of obtaining a mortgage, you should consider buying mortgage protection insurance
Can I afford mortgage protection insurance?
Mortgage protection is one of the most inexpensive types of insurance, and it’s often a more affordable option than purchasing a separate whole life policy to pay off your mortgage in the event of your death.
We look forward to serving you!
Mailing Address: 101 Belmont St #79035
Saginaw, TX 76179
Email: info@pntfinancialservices.com
Call (972) 848-8510
