Cedarline
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Mortgage Protection Insurance

If you weren't here, would your family keep the house?

Cedarline helps homeowners lock in affordable coverage so the mortgage still gets paid — even if you can't. See your options in about two minutes, no obligation.

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Independent, licensed agents
No medical exam options available
Free, no-obligation quote

The Gap Most Homeowners Miss

Homeowners insurance protects the house. Nothing protects the payment.

If a fire or storm damages your home, your homeowners policy pays out. But if you — the person making the mortgage payment — pass away or become seriously ill, that policy does nothing for the loan itself.

Without a plan in place, your family is left covering a full mortgage on a fraction of the income, often while grieving. Mortgage protection insurance is built to close that specific gap.

Death benefit
Pays toward or pays off the remaining mortgage balance, so your family isn't forced to sell or move.
Optional riders
Add coverage for disability or critical illness so payments are covered even if you survive but can't work.

How It Works

Three steps, no pressure.

01

Answer a few questions

Basic details about your health, home, and budget. Takes about two minutes online.

02

Compare your options

See coverage amounts and monthly costs side by side, with no pressure to choose on the spot.

03

Get approved and protected

Many applicants are approved without a medical exam. Coverage can often begin quickly once approved.

What's Covered

Coverage built around your mortgage, not a generic policy.

Mortgage payoff benefit

A death benefit sized to your loan, so your family can pay down or pay off the balance.

Fixed monthly premiums

Your rate is set when you're approved — it doesn't climb as you get older.

Coverage that follows you

The policy is yours, not tied to a specific lender — it stays with you if you refinance or move.

Optional disability rider

Helps cover mortgage payments for a period if illness or injury keeps you from working.

Optional critical illness rider

A lump-sum benefit toward the mortgage if you're diagnosed with a covered condition.

Cancel anytime

No long-term contract — adjust or cancel your policy whenever your situation changes.

Frequently Asked

Straight answers before you apply.

No. PMI (private mortgage insurance) protects your lender if you stop paying. Mortgage protection insurance protects your family — it helps pay off or pay down your mortgage if something happens to you.
No. It's optional coverage you choose for your own family's protection — it's never a condition of closing on your home or keeping your loan.
Many applicants qualify through a simplified health questionnaire with no exam required. Whether an exam applies depends on your age, health, and the coverage amount you're requesting.
Cost depends on your age, health, mortgage balance, and the coverage you choose. You'll see real numbers from an agent before you commit to anything — there's no obligation to buy.
Yes. There's no long-term contract — you can cancel your policy at any time without penalty.

Get Started

See your options in under two minutes.

Fill in a few details and a licensed agent will follow up with real coverage numbers — no obligation to buy.

By submitting, you agree to be contacted by phone, text, or email about mortgage protection insurance options, including by automated means. Consent is not a condition of purchase. Message and data rates may apply. See our Privacy Policy.

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A licensed Cedarline agent will reach out shortly with your options.