Let's Discuss State Regulated Mortgage Protection Plans

There is a lot of mis-information regarding mortgage protection. 


You're here because we want to ensure you get both accurate information and the plan you re entitled to.


What Is a Mortgage Protection Insurance Plan?

Mortgage Protection Insurance is a Special Type of Life Insurance that provides the following:

  • Ensures your loved ones never have to deal with the fear of losing their home
  • Provides financial security if the unthinkable happens
  • Pays your mortgage if you become sick or injured
  • The money your family receives is tax-free
  • Full portable - new home? Your policy travels with you.
  • It's convertible - no medical exams to convert to permanent protection



mortgage protection insurance
Protection your family and your mortgage when something happens to you

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 home suddenly disappeared? None of us know what the future will bring, but you can achieve peace of mind today with a mortgage protection insurance plan.


We don’t like to think about it, but the chances of dying before paying off a 30 year mortgage is:

At age 30:   1 out of 12

At age 35:   1 out of 8

At age 40:   1 out of 6

At age 45:   1 out of 4

At age 50:   1 out of 2


I Have PMI Isn't That the Same?

Actually No. PMI is insurance which protects the bank in case you default on your loan. In the case of a default, the bank will repossess your home (take it back from you) and sell it as quickly as possible, usually in a foreclosure sale/auction. 


The PMI covers any loss the bank incurs between how much they can sell the property for and how much you still owe them on the loan. It does not cover your loan payments under any circumstances and you do not get to keep or stay in the home. 


Also the bank will remove your PMI automatically once your equity reaches over 20%.


Make sure your family is protected and can stay in your home when something happens to you.


New Mortgage Protection Payoff Plans

Financial events and new legislation over the last few years have combined with special codes of the IRS to give advent to new Mortgage Protection Payoff Plans.  These unique plans afford mortgage holders the following benefits:


  • Provide coverage to pay out the mortgage in the event of death or terminal illness.

  • Cover mortgage payments in the event of chronic or critical illness.

  • Creates your own infinite bank account/rainy day fund that you can use to accumulate tax free income for retirement or use for further investment. Similar to a HELOC but you pay yourself the interest instead of the bank.

  • Compounds the payments you are already making through the Debt Snowball and Avalanche debt payoff methods to pay off your mortgage (and other debts) in on average 1/3 the time saving you $1,000's of dollars in interest, and years of mortgage payments.

Imagine being completely debt free with no more mortgage payments to make - ever!

And, at no additional cost to you!

mortgage protection

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Meet Your Senior Field Underwriter

Tracey Lipnicki has more than 20 years experience in corporate finance, in wealth and money education, and as an insurance consultant and advisor to business owners, individuals and families.


She is owner of The Lipnicki Agency, a national agency within the Quility & Symmetry Financial Group of companies specializing in solutions for tax free income, building generational wealth, mortgage protection, life insurance, mortgage acceleration, debt reduction, tax minimization, retirement and estate planning.


Tracey's goal is to ensure you always get the best possible plan to suit your needs and your budget.


If you become my client, I will treat you like you are family, and I would do anything for my family.  My goal is to always ensure you are better off financially that before you met me.


Book time to review your needs TODAY.  Your consultation is free of charge.


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