Prepared forYou and your spouse
Death benefit$320,000
- Term
- 30 years
- Covers to
- 2056
- Age band
- 30–39
- Rate class
- Non-tobacco
- Spouse
- Living benefits
- Return of premium
Protect the house. Not just the loan.
Danyal Lahouri compares mortgage protection across 6 carriers and shows you the options in plain English.
Independent licensed agent · Free to compare
Call or text Danyal(630) 636-0268
PMI protects the bank. This protects your family.
Paying PMI does not mean your family is covered.
PMI
Often required with less than 20% down.
- Who it protects
- Your lender
- Who gets paid
- Your lender
- What your family gets
- Nothing
Mortgage protection
Life insurance you own, sized to your loan.
- Who it protects
- Your family
- Who gets paid
- The people you name
- What your family gets
- A lump sum to pay off the house or keep up the payments
Coverage builder
Sketch the plan your house needs.
Move the sliders. No prices, no personal details.
$
$50k$1M
26 yrs
130
Your age
Tobacco in the last 12 months?
- Death benefitMatched to your balance. Paid to the people you name.
- 30-year termRounded up so it outlasts your 26 years left.
- Your spouseOne joint policy or two separate ones. Danyal compares both.
- Living benefitsUse part of the benefit early after a qualifying serious illness.
No prices here. Your rate depends on your health and the carrier.
How it works
- 1
Tell Danyal about the house
What you owe, the years left, and who is on the loan.
- 2
He shops 6 carriers
Your options, side by side, in plain English.
- 3
You pick, or you pass
Danyal helps with the application. If nothing fits, you owe nothing.
Meet Danyal
Danyal Lahouri is an independent licensed life insurance agent focused on mortgage protection.
A captive agent sells one company’s policies. Danyal works with 6 carriers, so he can shop for the one that fits your age, health and budget.
Danyal Lahouri
Independent licensed life insurance agent
- Focus
- Mortgage protection
- Licensed in
- IL, GA, FL, LA, NM, OH
- NPN
- 21601226
- Call or text
- (630) 636-0268
Carriers Danyal works with
- Mutual of Omaha
- American Amicable
- TruStage
- Transamerica
- Combined Insurance
- Corebridge
Let Danyal do the shopping.
Answer a few questions. Danyal comes back with real options from the carriers he works with.
- Goes to Danyal directly
- Never sold to other agents
- Free, no obligation
Rather talk? Call or text(630) 636-0268
What is mortgage protection?
Life insurance, usually term, sized to your mortgage. If you pass away during the term, it pays a lump sum to the people you name. They decide how to use it: pay off the house, keep up the payments, or cover other bills.
Is this the same as the PMI on my loan?
No. PMI protects your lender and pays your family nothing. Mortgage protection is a policy you own that pays the people you choose.
Why am I getting letters about this?
Mortgages are public record, so new homeowners get a lot of this mail. It comes from insurance agencies, not your bank or the government. Coverage is never required to keep your loan.
Do I need a medical exam?
Often not. Many carriers decide from a phone interview and health questions. Danyal will tell you which options need an exam before you apply.
What are living benefits?
Riders that let you use part of your benefit early after a qualifying critical, chronic or terminal illness. Rules differ by carrier.
What does it cost?
It depends on your age, health, tobacco use, coverage amount, term and riders. Different carriers can price the same person very differently, which is why Danyal compares. Comparing is free.
What if I refinance or sell the house?
The policy belongs to you, not the loan. It stays in force through the term as long as premiums are paid.
Is Danyal my lender or a government program?
No. Danyal is an independent licensed life insurance agent, not connected to your lender, HUD, FHA or the VA. If you buy a policy, the carrier pays him a commission. It is not added to your premium.