A mortgage should never outlive the person paying it.
EQR Life sets up life insurance with one job: pay the house off, or keep the payments going, if you're not there to do it. Your family stays home. That's the whole point.
Life insurance with one job.
Mortgage protection is coverage sized to your mortgage. Nothing exotic about it. If you pass away while the policy is active, the insurer pays your family in cash.
They can clear the loan on the spot, or keep making the monthly payment while life settles. Either way, nobody is forced to sell the house during the worst week of their lives.
Sized to your mortgage
Coverage built from your actual balance or your actual payment, not a rounded-up guess.
Paid to your family
The benefit goes to the people you name, in cash. They decide what's best. The bank just gets paid off.
Full benefit from day one
The policies Evan recommends first pay the full amount from day one, for those who qualify. No waiting period surprise.
How it works
Three steps. No paperwork marathon, no pushy follow-up calls.
Answer a few questions
Two minutes here on the site, or on a quick call. Your mortgage number, your age, a little about your health. That's enough to get real numbers moving.
Evan shops it for you
EQR Life is a brokerage. Evan compares options from multiple insurers and comes back with what actually fits your health, your mortgage, and your monthly number. Straight answers, no pitch.
Your family is covered
Once your policy is in force, the full benefit is there from day one for those who qualify. Whatever happens after that, the mortgage is handled.
Why day-one coverage matters.
Plenty of policies marketed to homeowners have a waiting period baked in. Pass away in the first two or three years and your family gets the premiums back with a little interest. Not the payoff. It's called a graded benefit, and most people find out about it too late.
Evan starts with policies that pay the full benefit from day one for those who qualify. If your health makes a graded policy the honest recommendation, he'll say that out loud before you sign anything.
When you call EQR Life, you get Evan.
Not a call center. Not whoever picked up. Evan Richard is a licensed insurance producer and the one person who quotes, explains, and follows through on every EQR Life policy.
- NPN 22191176
- Licensed in 15 states
- Based in Brick, NJ
Ready for a real number?
Book a free quote call and walk away knowing exactly where you stand. Rather poke around first? The online quoter shows an estimated range in about two minutes.
Or call now: (848) 276-7893
Quick answers
Is this the PMI my lender already charges me?
No. PMI protects the lender if you stop paying, and it does nothing for your family. Mortgage protection is life insurance you own. The benefit goes to the people you name, not the bank.
Do I have to take a medical exam?
Often no. Many of the policies Evan works with use health questions instead of an exam, and decisions can come back in days. Whether you qualify still depends on your health, and he'll be straight with you about that up front.
What does it cost?
It depends on your age, your health, tobacco use, and the amount of coverage. The online quoter shows an estimated range for your exact numbers in about two minutes, free.
I have life insurance through work. Isn't that enough?
Group coverage is usually one to two times your salary, and it ends when the job does. Run the math against what's left on your mortgage. Many homeowners keep the work policy and add mortgage protection on top.