You bought this home for them.

Make sure they can keep it.

A mortgage does not pause when life changes. With the right plan in place your family does not have to make one of
the hardest financial decisions of their life in the middle of the hardest moment of their life.

Key Data Points

90 days Missed Payments

Formal notice of default (30 days to cure)

120 days total

Foreclosure process officially begins

Foreclosure

Family loses the home AND all built equity

Probate

Depending on titling and will, property may go through probate before transferring — mortgage still due

Selling takes

3-6 months average from listing to close

Two Tracks

Track 1

TERM ALIGNMENT

For: Younger, healthy, staying long-term

What: Term life policy aligned with mortgage balance and payoff timeline

Result: If something happens, full mortgage is covered

Track 2

EQUITY PROTECTION

For: Older, health concerns, planning to sell

What: Smaller whole life policy covering specific window of payments

Result: Family has time to grieve, assess, and decide without financial pressure

Asset comparison: Policy builds cash value like home builds equity — both become assets

Worst case: Family keeps equity and options

Best case: Mortgage paid off, policy still there — 'I love you money'

Either way: Your family wins