Mortgage Protection
Coverage sized to your home loan, so your family can keep the house.
- Matched to your balance and term
- Living benefit options
- Return-of-premium options
Lighting the way for the families you love
Keep your home. Protect your family.
If something happened to you, could your family stay in the house? Mortgage protection is life insurance built around your home loan, so the people you love can stay where they are.
Free, no-pressure reviewMany plans need no medical examAbout 15 minutes
IndependentPlans from several insurers
Licensed in FloridaFL License # G167129
Woman-ownedPersonal, one-on-one service
Mówię po polskuService in English and Polish
Mortgage protection, explained
Your lender already has insurance. Your family should too.
Many homeowners assume the bank's insurance covers their family. It doesn't. Here's the difference.
PMI (from your lender)
Protects the bank
- Pays the lender if the loan goes unpaid
- Pays nothing to your family
- Doesn't help if you get seriously ill
Mortgage protection
Protects your family
- Pays your loved ones, not the bank, and they decide how to use it
- Many plans include living benefits for serious illness
- Stays with you if you refinance, sell or move
Want to see what this would cost for your home?
Coverage
Protection for every stage of life
I compare plans from several insurance companies to find the right fit for your budget and health.
Life Insurance
Term and whole life plans that replace your income and keep your family's plans on track.
- Term for 10 to 30 years
- Whole life for a lifetime
- Coverage for spouses and children
Final Expense
Whole life coverage that never expires, to cover funeral costs, medical bills and final expenses, so loved ones aren't left paying.
- Simple health questions
- Premiums that stay level
- Options for many health conditions
Not sure which one fits? I'll help you compare.
Quick estimate
How much coverage would protect your home?
Enter a few numbers from your mortgage statement to see a starting point.
$
$
Coverage to pay off the home
$285,000
Term length to match your loan
30 years
The shortest common term that outlasts your loan
Five years of house payments
$129,000
If you'd rather keep the loan and cover payments for a while
Example numbers shown. This is a starting point, not a quote. Your price depends on age, health and the plan you choose.
How it works
Three simple steps
Tell me about your family
A short call about your home, your budget and what matters most to you.
Compare your options
I shop several insurers and explain each option in plain language, with no pressure.
Apply and get covered
Many applications are done by phone in one sitting, and some are approved the same day.
About
Hi, I'm Beata.
"Lumi" comes from light. My job is to make a confusing decision clear, so you can choose with confidence.
Before founding Lumi Life Group, I led a benefits sales team helping Florida businesses and their employees with insurance. Today I work one-on-one with families. I take the time to listen, explain your options in plain language, and help you choose coverage that protects the people you love.
Beata ConleyFounder, Lumi Life Group
Licensed in FloridaIndependent agentWoman-ownedEnglish & Polish
Questions
Good questions to ask
Don't see yours? Call or text, and I'll walk you through it.
Ask me a questionIs mortgage protection the same as PMI?
No. PMI protects your lender if the loan isn't paid. Mortgage protection is life insurance that pays your family, and they choose how to use the money, whether that's paying off the house or covering other bills.
Who receives the money?
The beneficiaries you name, usually your spouse or children. The bank is not the beneficiary.
Do I need a medical exam?
Many plans only ask health questions, with no exam or blood work. It depends on your age, health and how much coverage you want.
What happens if I refinance or sell my home?
The policy belongs to you, not the loan. It stays in force as long as you pay the premiums, even if you refinance, sell or move.
How much does it cost?
Price depends on your age, health, tobacco use, coverage amount and term length. I'll show you a few options side by side so you can pick what fits your budget.
Can I get coverage with health conditions?
Often, yes. Different insurers view health conditions differently, and that's one reason working with an independent agent helps.
Free quote
Let's protect what matters most.
Pick a time that works for you, or send a quick note and I'll reach out within one business day.
Book a free 15-minute callCall or text(407) 491-1986