WARNING: Your Bank's "Mortgage Protection" Might Not Pay Out When Your Family Needs It Most

Request your free Canadian Mortgage Insurance Comparison Kit and discover why up to 50% of mortgage life insurance claims get denied—and what you should do instead.

This Issue Has Been Investigated By:

If you have mortgage insurance through your bank, you need to see this.

A recent CBC Marketplace investigation exposed a shocking truth: Canadian families are paying for mortgage insurance that often doesn't pay out when they die.

The reason? Post-claim underwriting—a practice where banks approve you to PAY premiums, but don't approve your family to GET PAID until after you're dead.

"Up to 50% of mortgage insurance claims are denied or challenged"

— CBC Marketplace Investigation

In your free comparison kit, you'll discover:

Why "automatically approved" doesn't mean what you think it means
The real case of a Canadian family who lost their home after paying premiums for 4 years
How much you're overpaying (most homeowners pay 40-70% MORE than they should)
The simple alternative that costs less, covers more, and actually pays out

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Why This Matters Right Now

Every month you pay for bank mortgage insurance, you're likely:

❌ Paying 40-70% more than an independent term policy
❌ Losing coverage as your mortgage balance decreases (while your premium stays the same)
❌ Risking denial because the bank hasn't actually underwritten your policy yet
❌ Protecting the bank, not your family (they're the beneficiary, not your spouse)

The good news? There's a better way. And it usually costs LESS.

What You'll Get in Your Free Kit

When you request your comparison kit, you'll receive:

📊 Your Personal Savings Calculator
See exactly how much you could save by switching from bank mortgage insurance to a personal term policy

📋 The Side-by-Side Comparison Chart
Bank mortgage insurance vs. term life insurance—see the real differences that banks don't tell you about

📖 The Post-Claim Underwriting Guide
Understand how this legal loophole works and why it puts your family at risk

✅ Your Next Steps Checklist
A simple action plan for protecting your family the right way

Plus: Access to a 15-minute consultation with a licensed insurance broker who can show you your personalized options.

FAQ's

Is this really free?

Yes. There's no cost and no obligation. We're licensed brokers who get paid by insurance companies when you choose a policy, so there's never a fee to you.

Will I have to switch my mortgage?

No. Your mortgage stays exactly where it is. This is only about replacing your mortgage INSURANCE with a better option.

What if I don't qualify for term life insurance?

We'll help you find out during your consultation. If you don't qualify, you haven't lost anything. But most people with normal health issues (high blood pressure, mild diabetes, etc.) still qualify and save money.

How long does this take?

Requesting your kit takes 30 seconds. Reviewing it takes about 7 minutes. If you decide to apply for coverage, the whole process typically takes 10-15 days.

NOT FACEBOOK: This site is not a part of the Facebook™ website or Facebook Inc. Additionally, This site is NOT endorsed by Facebook™ in any way. FACEBOOK is a trademark of FACEBOOK, Inc. DISCLAIMER: Please understand results are not typical. Your results will vary and depend on many factors including but not limited to your background, experience, and work ethic. All business entails risk as well as taking regular and consistent effort and action.

Important: All results referenced are not typical. Every person’s situation is different. Your outcome depends on your health, coverage needs, budget, and follow-through. There are no guarantees.

Colleen Taum is a licensed life insurance professional, not a financial advisor, tax expert, or attorney. Nothing on this site should be taken as legal, medical, or financial advice. Any examples of savings or protection are for illustration only and may not reflect your personal outcome.

By using this site, you agree that you are solely responsible for your own decisions and results. Always do your own due diligence and consult a qualified professional before making changes to your finances or coverage.