Mortgage Protection & Life Insurance
If something happens to you, your family keeps the house.
Coverage options from multiple top-rated insurance companies
- Licensed, independent agents
- Multiple top-rated insurance companies
- Many applicants can apply without a medical exam*
- Licensed nationwide
*Exam requirements depend on age, health, coverage amount and the insurance company. Some applicants will need an exam.
Who We Are
An independent agency built around your family, not a single insurance company.
Most people get one policy from one company. As an independent agency, we shop multiple top-rated insurance companies to find what fits your health, home and budget, and a real agent stays with you after.
Service
A licensed agent walks you through every step and is there after you're covered.
Choice
We compare options across multiple insurance companies, not just one.
Simplicity
Plain-English explanations. No jargon. No pressure to decide on the spot.
Know the difference
Bank mortgage insurance vs. FOSNE mortgage protection
The coverage your lender offers and the coverage we help you find are not the same thing.
Who gets paid
Typical lender coverage
Usually the lender
Through FOSNE
Your beneficiaries, who decide how to use it
Coverage amount over time
Typical lender coverage
Often decreases as your balance goes down
Through FOSNE
Level coverage options available
If you refinance or move
Typical lender coverage
Coverage may end with the loan
Through FOSNE
Your policy stays with you
Living benefits
Typical lender coverage
Often not included
Through FOSNE
Available on many policies for qualifying critical, chronic or terminal illness
Choice of insurance company
Typical lender coverage
One option
Through FOSNE
Options from multiple insurance companies
Comparison describes common features and is general in nature. Actual terms of any lender-offered coverage or any policy vary. Review your specific policy documents.
How It Works
Three steps. About 2 minutes to start.
- 1
Tell us what you want to protect
Answer a few quick questions about your home, your family and your health.
- 2
Review your options with a licensed agent
We compare what's available from the insurance companies we work with and explain it in plain English.
- 3
Apply and get protected
Many people can apply by phone or online, often without a medical exam.* Once approved, your coverage is in place.
*Exam requirements depend on age, health, coverage amount and the insurance company.
Coverage Options
There's no one-size-fits-all policy. So we give you choices.
Mortgage Protection
Life insurance designed to help your family pay off or keep paying the mortgage if you pass away or, with living benefits, get seriously ill.
Learn moreTerm Life
Affordable protection for a set number of years, like 10, 20 or 30. A common fit for young families and new homeowners.
Learn moreWhole Life
Permanent coverage that lasts your whole life and can build cash value over time.
Learn moreFinal Expense
Smaller whole life policies designed to cover funeral costs and final bills so your family isn't left with them.
Learn moreIndexed Universal Life
Permanent coverage with flexible premiums and cash value growth potential linked to a market index.
Learn moreLiving Benefits
Access part of your death benefit while you're alive if you're diagnosed with a qualifying serious illness.
Learn moreCoverage for where you are right now.
You worked hard for your home. Make sure your family can stay in it.
- Coverage matched to your mortgage balance
- Term length matched to your loan
- Living benefit options for serious illness
How much coverage does your home need?
Enter your mortgage balance and years left. We'll show you a starting point in seconds.
Get personal help from a licensed agent
Share a few details and a licensed FOSNE agent will reach out to walk you through your options. No cost, no obligation.
- Options from multiple top-rated insurance companies
- Phone or video appointments
- Help with applications and beyond
Want to help families protect their homes?
FOSNE is growing and looking for motivated people who want to build a career in insurance.
See your options in about 2 minutes.
No cost, no obligation. A licensed agent reviews every request.