Your own personal insurance will not only save you money, but offer the best protection for you and your family, give you control of your financial future by providing you with options. Here are some of the differences between the insurance you purchase with your mortgage and the insurance purchased from an insurance company by a licensed professional.

- Mortgage professionals are not normally licensed to provide insurance; therefore they cannot provide you with all your options. Their area of expertise is the mortgage, not the insurance coverage.

- Mortgage insurance underwriting most often done after you make a claim at which point, you may be deemed un-insurable even though you have spent many years paying the premiums. With life, underwriting is done before you start paying premiums; therefore you know your benefit will be paid should the necessity arise.

- With mortgage insurance, the beneficiary is the lender. With life insurance, you select your beneficiary and they choose what to do with the benefit.

- Mortgage insurance amounts decrease with your mortgage, but premiums stay the same. With life insurance, your coverage and premiums remain the same.

- If you refinance or sell, credit insurance is seldom ever transferable to a new lender, with life insurance; it goes where you go.

- Should your ability to qualify for insurance change during the life of your mortgage, permanent plans will remain intact, where mortgage insurance is unable to offer the same longevity in coverage.

- With mortgage insurance, payouts can be used only to pay the mortgage, with life insurance, you do what you wish.

Choosing insurance that is individually owned provides you with the most options to protect your financial future.

The Choice Is Yours!
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