Mortgage Protection
Insurance
Protect the Home You’ve Worked So Hard For
Mortgage Protection
Guarantee your loved ones have a home, even if you aren't in it
Your home isn’t just a structure — it’s stability, security, and the place your family builds life.
Mortgage protection insurance ensures that if something unexpected happens to you, your family won’t lose the house.
Because the mortgage doesn’t disappear if you do.
What Is Mortgage Protection Insurance?
Mortgage protection is life insurance designed specifically to cover your mortgage balance if you pass away — and in many cases, if you suffer a qualifying illness.
Instead of leaving your family with monthly payments they may struggle to afford, this coverage provides funds to:
Pay off the mortgage balance
Continue making monthly payments
Protect your family’s home and financial stability
It’s simple. It’s strategic. It’s peace of mind.
Why Mortgage Protection Matters
For most families, the mortgage is the largest financial obligation they carry.
If your income stopped tomorrow, would your family be able to:
Make the mortgage payment?
Stay in the home?
Avoid selling under pressure?
Mortgage protection removes that uncertainty.
How It Works
We determine your mortgage balance and monthly payment.
We design coverage to match your protection needs.
Your family receives a tax-free payout if a qualifying event occurs.
The funds can be used to pay off the loan or make payments.
Unlike lender-offered mortgage insurance, you own the policy — not the bank.
It’s one of the most overlooked strategies in life insurance — and one of the most effective.
frequently asked questions
Is mortgage protection different from PMI?
Yes. PMI protects the lender if you default. Mortgage protection insurance protects your family if you pass away.
Does it only cover death?
Many modern policies include living benefits for qualifying critical, chronic, or terminal illness.
Does coverage decrease over time?
It can — but it doesn’t have to. We design it intentionally based on your goals.
Is it expensive?
For many healthy individuals, mortgage protection can cost less than a monthly utility bill — especially when structured properly.
Can I cancel it?
Yes. You own the policy and can cancel or adjust as your needs change.
Ready to protect what matters most?
It only takes a few minutes to find out what coverage is right for you.
Contact Us
The Tubbs Agency is a trusted insurance agency based in Ardmore, Oklahoma, proudly serving clients in Ardmore, Durant, Ada, Madill, Sulphur, Davis, Lone Grove, Tishomingo, Kingston, Marietta, Texoma, and surrounding Southern Oklahoma communities.
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