Mortgage Protection

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What Is Mortgage Protection?

The single largest expense most families will ever have is their mortgage. When a homeowner passes away, in addition to replacing lost income with a traditional insurance plan, a Mortgage Protection plan can help guarantee that their loved ones will always have a roof over their heads.

Mortgage Protection

Heartland generates Mortgage Protection leads…requests for protection…from homeowners throughout the country. There are people who had a moment when they realized that they needed to have this important protection and then proceeded to fill out and mail back a letter asking for help with this need.

Every day, thousands of letters are sent to new homeowners letting them know that they may qualify for this protection without the need for a medical exam. Agents then visit the homes of those who return the requests for coverage and enroll them in a program.

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What kind of policy is it?

Mortgage Protection is generally provided using a specialized level term life insurance policy that can be enhanced with a variety of riders and options that match a client’s needs and budget. For example, clients can choose a Return of Premium option that gives them back every penny of their premium payments at the end of the term, tax-free, if they haven’t used the policy.

The online systems, coupled with our national and regional live training opportunities, and our weekly motivational support through sales training webinars and conference calls keep you fresh and abreast of the latest developments in products and the industry.

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Who offers mortgage protection?

Heartland Financial Group has relationships with a number of A-rated life insurance carriers that provide mortgage protection products. These affordable policies also carry excellent commission rates and provide an outstanding income opportunity for both veteran agents as well as brand new agents just starting their insurance careers. Combined with Heartland Financial Group exclusive sales system, training, support and outstanding lead generation capabilities, Mortgage Protection offers an extraordinary opportunity for agents to achieve financial success in this business, plus it opens the door to many ancillary and repeat sales that help make a client… a client for life.