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Through our years of experience, we've also learned that while each channel has its own set of advantages, they all work best when strategically paired with other channels.

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Life Insurance

Mortgage Life Insurance

Purchasing a home is one of the most significant financial commitments most Canadians will make. Mortgage Life Insurance ensures your family's home is protected if the unexpected happens.

Get a Free Quote (604) 338-3042
100% Mortgage balance covered
Portable Follows you to any lender
Tax-Free Benefit paid to your family
Level Coverage never decreases
How it works
Getting covered is simple
1

Book a free call

Sri reviews your unique needs, goals, and budget — completely free with no pressure or obligation.

2

Compare top plans

We shop 20+ Canadian insurers to find you the best coverage at the most competitive rate.

3

Get covered fast

Meet Sri on Zoom or in person to submit your application. Many plans are approved within 24–72 hours—often with no medical exam required.

About this coverage
Protect Your Home and Your Family's Financial Future

Mortgage Life Insurance provides financial protection by paying a lump-sum benefit if the insured homeowner passes away during the policy term. The benefit can be used to pay off the remaining mortgage balance or provide financial support to help the family maintain their home and lifestyle.

Unlike lender-provided mortgage insurance, an individually owned life insurance policy through Sri pays the benefit directly to your chosen beneficiaries — not the bank. Coverage stays with you even if you refinance or change lenders, and the benefit amount remains level throughout the term.

Key benefits
Individual Coverage vs. Bank Mortgage Insurance

Home stays in the family

Your family keeps the home without the burden of ongoing mortgage payments during a difficult time.

Portable — follows you

Coverage stays with you even if you refinance or switch lenders — it is not tied to any single bank.

Your chosen beneficiary

The benefit is paid directly to your beneficiaries, not the lender — giving your family full control.

Upfront underwriting

Independent policies underwrite you at application — no surprise denials at claim time.

Level coverage amount

Your benefit stays level throughout the term — unlike bank insurance where coverage shrinks as your balance drops.

Optional riders available

Add critical illness, disability, or accidental death riders to create comprehensive mortgage protection.

Common questions
Frequently asked questions
Independent mortgage life insurance is almost always the better choice. You select your own beneficiary, coverage is portable, underwriting happens upfront, and your benefit stays level as you pay down the mortgage.
With bank creditor insurance, yes — the benefit decreases as your balance drops but premiums often stay the same. With an independent term policy, the benefit stays level throughout the entire term.
First-time homebuyers, families with young children, couples with shared financial responsibilities, homeowners with large mortgage balances, and self-employed individuals without employer-provided coverage.

Ready to protect what matters most?

Sri will find the right coverage at the best rate — no cost, no pressure, no jargon. Just honest guidance.

Book a Free Consultation (604) 338-3042

Licensed in BC, Alberta, Ontario & Nova Scotia • Powered by Experior Financial Group