Not PMI
Private mortgage insurance generally protects a lender against borrower default. It does not replace life insurance for your family.
Know what you are buying
Mortgage protection should protect your family—not just a loan balance.
On this page, “mortgage protection” means personal term life insurance considered with your housing obligation in mind. If a covered insured dies while the policy is in force, the death benefit is paid according to the policy terms to the named beneficiary, who can decide how to use it.
Not tied to your lender
The term life coverage discussed here is separate from your mortgage company and subject to its own policy terms.
Built around the full picture
Your mortgage is a starting point. Income, other debts, existing coverage, budget, and the people depending on you also matter.
A direct, simple process
Share the basics
Tell Aric the approximate mortgage balance, timeline, and a few details that affect available options.
Review the fit
Discuss the home, the people relying on your income, current coverage, and what comfortably fits the budget.
Apply if it makes sense
Review actual policy details and underwriting requirements before deciding whether to apply.
Your point of contact
Work directly with Aric Vennen
Aric is a Colorado-licensed life insurance representative with Primerica Life Insurance Company. Your request goes to him directly—not to a public quote marketplace or anonymous call center.
Colorado license #936642Personal follow-throughColorado-focused service
Straight answers
Mortgage protection questions
Does the death benefit have to pay off the mortgage?
For the personal term life coverage discussed here, the named beneficiary receives the benefit according to the policy terms and generally decides how to use it. Confirm the details of any specific policy before applying.
Should coverage equal the exact mortgage balance?
Not automatically. The mortgage is one obligation. Income replacement, childcare, other debt, savings, existing coverage, and budget can change the amount worth considering.
Is coverage guaranteed?
No. Availability, premium, medical requirements, and approval depend on age, tobacco use, health history, application answers, policy terms, and underwriting.
Is this required by my lender?
No. This page offers an optional conversation about personal term life insurance and is not affiliated with your mortgage lender.