These Terms & Conditions ("Terms") govern your access to and use of Mortgage Protection Pros (the "Site") and any quote-request, comparison, informational, questionnaire, or lead-generation services made available through the Site. By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. Nature of the Service
Mortgage Protection Pros is a licensed insurance consulting firm whose advisors hold active life insurance and financial strategy licenses in over 40 states. The Site helps homeowners learn about and request quotes for mortgage protection insurance, term life insurance, and related coverage that can help pay off or cover a mortgage if the borrower passes away or, where offered, becomes disabled or critically ill. Mortgage Protection Pros is not an insurance carrier and does not itself underwrite, issue, or guarantee any insurance policy; policies are issued by the insurance company that approves your application.
Your quote request is handled by one of our licensed advisors, who may work with partner agencies, insurance carriers, call centers, or other third parties to find coverage. Any application, policy, premium, rider, beneficiary designation, or contract of insurance is between you and the issuing insurance carrier. Coverage is not in force until an insurer has approved your application and issued a policy, and any required premium has been paid.
2. Quotes, Pricing, Eligibility, and Availability
Any premium, rate example, "per day" or "per month" cost illustration, coverage amount, feature, savings claim, approval statement, or availability statement shown on the Site is for general informational or marketing purposes unless expressly stated otherwise. Actual pricing and eligibility vary based on carrier, state, age, gender, health history, tobacco or nicotine use, coverage amount, term length, riders, underwriting class, and current offers. Some products may require a medical exam or health questions; others may be issued on a simplified or guaranteed basis at a different cost.
Submitting a form does not guarantee approval, availability, a particular premium, a specific policy, or that any particular carrier will offer coverage. Final terms are determined by the applicable insurance carrier and should be reviewed in the policy documents before purchase.
3. Not Insurance, Financial, Tax, or Legal Advice
Content on the Site is general in nature and is not a recommendation that any specific policy is suitable for you. Articles, stories, examples, and illustrations are provided to explain how mortgage protection coverage generally works and may describe composite or illustrative situations. Consult a licensed insurance professional, and where appropriate a financial, tax, or legal advisor, before making a coverage decision.
4. User Information and Accuracy
You agree to provide accurate, current, and complete information when using the Site, completing the questionnaire, or requesting a quote. You are responsible for ensuring that any phone number, email address, date of birth, mortgage information, tobacco-use status, beneficiary information, or other information you submit is accurate and that you are authorized to provide it. Inaccurate information on an insurance application may result in a denied claim or a cancelled policy.
5. Consent to Be Contacted
If you submit a quote or information request and provide contact consent, a Mortgage Protection Pros licensed advisor and/or a partner agency or carrier may contact you regarding your inquiry using the methods disclosed at the point of submission, including at the preferred time you select. Any required telemarketing or text-message consent is presented on the form. Consent to marketing is not a condition of purchase unless permitted by applicable law.
6. No Guarantee of Coverage or Claim Payment
Mortgage Protection Pros does not guarantee that you will be approved for coverage, that a policy will pay a claim, or that any policy will be sufficient to pay off your mortgage or any other obligation. Whether a claim is paid depends on the terms, exclusions, waiting periods, and conditions of the policy actually issued by the carrier and on the accuracy of the application. Read your policy carefully.
7. Third-Party Providers and Links
The Site may contain links to, information about, or referrals to third-party companies, agents, or carriers. We do not control independent third parties and are not responsible for their products, underwriting decisions, claim handling, contracts, privacy practices, customer service, pricing, claims, or representations. You are responsible for reviewing a provider's terms and policy documents before entering into an agreement.
8. Acceptable Use
You agree not to misuse the Site or attempt to interfere with its operation. Prohibited conduct includes:
- Submitting false, fraudulent, abusive, or misleading information.
- Attempting to gain unauthorized access to the Site, servers, systems, or other users' information.
- Using automated scraping, bots, malware, or other tools that materially disrupt the Site.
- Copying or using Site content in violation of intellectual-property or other applicable laws.
- Using the Site for unlawful, deceptive, or harmful purposes.
9. Intellectual Property
Unless otherwise noted, the Site design, text, graphics, logos, layout, software, and original content are owned by or licensed to Mortgage Protection Pros and are protected by applicable intellectual-property laws. Third-party names, trademarks, logos, and product images remain the property of their respective owners. No ownership rights are transferred to you by your use of the Site.
10. Disclaimer of Warranties
To the fullest extent permitted by law, the Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, complete, or accurate, or that any agent, carrier, quote, policy, or service will meet your needs.
11. Limitation of Liability
To the fullest extent permitted by law, Mortgage Protection Pros and its owners, affiliates, officers, employees, contractors, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to the Site, a third-party agent or carrier, a coverage or claim decision, or your use of or reliance on Site content. Nothing in these Terms limits liability that cannot legally be limited or excluded.
12. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Mortgage Protection Pros and its affiliates, owners, employees, contractors, and agents from claims, damages, liabilities, and reasonable costs arising from your unlawful misuse of the Site, your violation of these Terms, or information you submit without authorization.
13. Privacy
Your use of the Site is also subject to our Privacy Policy, which explains how information may be collected, used, and shared, including the mortgage, age, and tobacco-use details you provide in the questionnaire.
14. Changes to the Site or Terms
We may modify, suspend, or discontinue any part of the Site and may update these Terms from time to time. Updated Terms will be posted on the Site with a revised effective date. Continued use of the Site after changes means the updated Terms apply to your use.
15. Governing Law and Severability
These Terms are governed by applicable law. If any provision is found unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.
16. Contact
Questions regarding these Terms may be submitted through the contact information or contact form made available on Mortgage Protection Pros.