Protect Your Home — Not Just the Bank's Loan
Your mortgage is likely your biggest financial commitment. Independent mortgage protection through NSP Inc puts your family first — not your lender.
Average Canadian home price — your biggest financial obligation
Canadians have no mortgage protection beyond bank insurance
Independent policies move with you — bank insurance doesn't
Payout goes to your family, not the bank
Coverage Options
Tap the ⓘ icon to understand each option and how it compares to bank-sold insurance.
Coverage that decreases as your mortgage balance shrinks
Fixed death benefit regardless of your remaining mortgage
Covers your monthly mortgage payment if you become disabled
Pays a lump sum on diagnosis to protect your home
Coverage moves with you when you change homes or lenders
Your family gets the payout — not the bank
Bank Insurance vs. NSP Inc
| Bank | NSP Inc | |
|---|---|---|
| Beneficiary | The Bank | Your Family |
| Payout decreases? | Yes | Optional |
| Portable? | No | Yes |
| Switch lenders? | Re-qualify | No change |
| Medical underwriting | After claim | Before policy |
Don't rely on bank mortgage insurance alone
Bank creditor insurance is post-claim underwritten — meaning your claim can be denied after you die if a health issue wasn't disclosed. Independent policies are underwritten upfront, so you know you're covered before you need it.
Protect Your Home the Right Way
Marie will compare independent mortgage protection policies from Canada's top carriers and show you why they beat bank insurance — every time.