If you die, your mortgage pays a death benefit that can be used to help pay off your mortgage. This peace of mind means that your family may keep their home and their way of life, in the event you die.

With the optional money back rider, all the premiums you pay will be refunded to you at the end of the coverage period. As a bonus, you may receive part of your premium back!

Disability Income Rider

The optional Disability Income Rider provides a monthly benefit calculated to be roughly equal to your mortgage payment each month for up to 24 months after the insured has been disabled for 90 days.

Disability Income-Accident Rider 

The Accident Only Disability Income Rider provides a monthly benefit calculated to be roughly equal to your mortgage payment each month for up to 24 months after the insured has been disabled for 90 days, for any sudden, unforeseen and unexpected event which occurs without the insured’s intent that results in the total disability of the insured.

●The Original Critical Illness Rider provides for a lump sum payment if the insured is diagnosed with a covered critical illness.

●It is suggested that the benefit amount purchased be roughly equal to 12-24 months of mortgage payments, however, the benefit amount purchased can be up to 100% of the mortgage face amount.

●This ensures there is money available in the present to ensure that the quality of your life is not severely altered.

●The Unemployment Rider is provided with every mortgage purchase, subject to state availability.

●A mortgage provides you with peace of mind in the event the insured involuntarily loses his/her job subject to the rider’s terms.

●Your mortgage premium payments may be made for you for up to six months after a one-month waiting period.

The Accidental Death Benefit Rider allows receipt of an additional death benefit of 50% of the face amount, up to $125,000 in the event of certain accident-related deaths of the insured. The total amount cannot exceed the face amount of $250,000 whichever is less.

his allows you to designate how your death benefit is to be paid.

This plan is one of the most competitive life insurance products on the market today. There are varieties of options that provide levels of protection that may be tailored just for your needs.

SAMPLE DEATH BENEFITS RATES BELOW:

Based on your mortgage balance, rates are available up to $5,000,000 upon request and subject to company underwriting height, weight and current health status.

●12 in 100 – will die before paying off the mortgage.

●1 in 8 – will become disabled each year.

●48% of all mortgage foreclosures are the result of a disability.

●Between ages 35 and 65 – 7 out of 10 people will become disabled for three months or longer.

●It is customary for banks and loan companies to add credit life when processing property loans. Please be aware that these policies are limited to only protecting the bank’s interest and not yours.

●The bank normally becomes the owner and beneficiary of such policies that may be conveniently added into their note and the recipient of the loan has very little say-so regarding the proceeds of the policy and the named beneficiary if death should occur, causing possible property tax ramifications and forced heirship problems.

●Owning your own policy gives you the right to control and assign the proceeds to whomever you wish, transfer the policy to another loan, or add another loan to it and to convert the policy if your mortgage is paid off. The bank policy cancels the mortgage giving you no options, which is dangerous, especially if you are uninsurable at the time.

●Where can you get instant insurance quotes from many leading A+ rated companies at very comparative rates? Dan Burghardt shops dozens of insurance companies to satisfy your needs and budget and we can usually make your insurance protection effective in just a few days.

●Why have multiple agents handling your insurance needs, when you can have one agent handle it all? For professionalism, commitment, integrity, and stability: Think Champagne.

Champagne Insurance just received this new contract for Final Expenses Policy with Foresters Insurance Company. We are now able to offer a minimum of $10,000 and a maximum of $15,000 face value to ages 80-85.Please call for a quote.