#1 Rated Mortgage Protection
get your guaranteed
freedom check
If something happens to you, your mortgage doesn't disappear. Mortgage protection insurance pays off your home — so your family never has to worry.
- Get up to 100% of premiums back with Americo CBO
- No medical exam required for most applicants
- Living benefits for critical & chronic illness included
- 15, 20, 25, or 30-year terms available
YOUR ESTIMATED COVERAGE
Adjust the sliders — see your coverage change instantly
Mortgage Freedom Estimator
Protect The Mortgage. Get Paid Back.
Estimate your Guaranteed Freedom Check, Freedom Date, family protection, and monthly investment.
Check Amount
$1,063,353
Freedom Date
May 2056
Family Protection
$1.1M
Mortgage Payoff
$863K
Income Protection
$200K
Monthly Investment
$2,954/mo
* Estimate only. Mortgage payoff uses projected remaining amortized payments based on balance, years left, and interest rate. Actual premiums, approval, guaranteed benefits, refund values, and contract terms require a personalized carrier illustration and approved policy.
Mortgage Freedom Estimator
Protect The Home. Get Paid Back.
Estimate your protection amount, monthly investment, and future Freedom Date.
Check Amount
$500,000
Freedom Date
May 2056
Family Protection
$500K
Mortgage Payoff
$300K
Income Protection
$200K
Monthly Investment
* Estimate only. Actual premiums, approval, guaranteed benefits, refund values, and contract terms require a personalized carrier illustration and approved policy.
ⓘ Estimate only. Your actual rate may be lower. Free custom quote takes 60 seconds.
LOCAL TRUST METRICS
WHY HOMEOWNERS CHOOSE US
Your mortgage is likely your family's biggest financial obligation.
Here's how mortgage protection insurance keeps them safe.
Pays Off Your Mortgage
Your policy pays the remaining mortgage balance directly, so your family keeps their home free and clear.
Protects Your Loved Ones
Your spouse and children stay in the home they love — no forced sale, no foreclosure, no displacement.
Affordable Coverage
Most homeowners qualify for coverage starting under $30/month. Rates lock in and never increase.
No Medical Exam
Most applicants qualify with just a few health questions. No blood tests, no doctor visits required.
A+ Rated Carriers
We partner with the top-rated insurance carriers in America — names you know and trust.
Fast & Simple Process
Apply in minutes from your phone or computer. Get approved as fast as the same day.
★ OUR PREMIER PRODUCT
GET YOUR PREMIUMS BACK
The ultimate mortgage protection policy - protect your family and get up to 100% of your premiums returned if you outlive your term. It's coverage that pays you back.
100% OR 50% CASH BACK
Get 100% (HMS Plus 100) or 50% (CBO 50) of your base premiums returned if you outlive your term.
FLEXIBLE TERMS
Choose from 15, 20, 25, or 30-year terms to match your mortgage - with level death benefits throughout.
LIVING BENEFITS INCLUDED
Critical, chronic, and terminal illness benefits at no additional cost - protection while you're alive.
NO MORTGAGE REQUIRED
No proof of mortgage needed to qualify. Coverage up to $500,000 without a saliva test.
INSTANT DECISION EAPP
Apply online with our instant-decision electronic application. Get approved the same day.
BUILT-IN CASH VALUE
Your policy builds cash value over time, combining protection with a guaranteed return of premium.
HOW CASH BACK WORKS
HMS PLUS 100
100%
of base premiums returned
- Full premium refund at end of term
- Level death benefit throughout
- Living benefits included
CBO 50
50%
of base premiums returned
- Lower premiums than HMS Plus 100
- Level death benefit throughout
- Living benefits included
Cash back applies to base policy premium only. Policy must remain active and in good standing. Refund must be requested within 30–60 days of term end.
HOW IT WORKS
SIMPLE AND FREE
Getting mortgage protection is fast, simple, and completely free to explore.
01
Request Your Free Quote
Fill out our 30-second form with basic info about your mortgage. No SSN required.
02
Speak With a Licensed Agent
A licensed specialist calls you to review your options and find the best rate - no pressure, ever.
03
Get Protected Instantly
Choose your plan and get covered - most applicants are approved the same day with no medical exam.
CHATTANOOGA TRUSTED
REAL FAMILIES, REAL PROTECTION
Chattanooga families trust us to protect what matters most.
After my husband passed unexpectedly, mortgage protection paid off our home in full. I can't imagine what we would have done without it. My kids still have their home on Signal Mountain.
We chose the Americo CBO because we get our premiums back if we don't use it. No medical exam, approved the same day. It's a win-win — protection now, cash back later.
The living benefits sealed the deal for us. Knowing I'm covered for critical illness too — not just death — gives me real peace of mind. And the cash back option is incredible.
WE'VE GOT ANSWERS
FREQUENTLY ASKED QUESTIONS
Everything you need to know about mortgage protection insurance. We believe in complete transparency so you can make the best decision for your family's future.
What is Americo's Cash Back Option (CBO)?
The Americo Cash Back Option is a unique policy that returns up to 100% of your base premiums if you outlive your term. It provides essential protection for your family while acting as a financial safety net for your future.
What is mortgage protection insurance?
Mortgage protection insurance is a life insurance policy designed specifically to pay off your mortgage if you pass away. It ensures your family keeps their home and isn't burdened by monthly payments during a difficult time.
How much does mortgage protection insurance cost?
Costs vary based on your age, health, and the coverage amount. However, most homeowners can secure reliable protection starting under $30 a month, and your rates are locked in and will never increase.
Do I need a medical exam to qualify?
In most cases, no medical exam is required. You can qualify by simply answering a few basic health questions on the application, making the process fast and entirely hassle-free.
How is this different from my lender's mortgage insurance (PMI)?
PMI (Private Mortgage Insurance) protects the lender if you default on your loan, but it does nothing for your family. Mortgage protection insurance protects your loved ones directly, paying off the home so they can stay in it.
What are 'living benefits' in the Americo CBO policy?
Living benefits allow you to access a portion of your policy's death benefit while you are still alive if you are diagnosed with a qualifying critical, chronic, or terminal illness. This helps cover medical bills and everyday living expenses.
Can I get coverage if I have health issues?
Yes. We work with multiple A+ rated carriers and have options available for various health profiles. Even if you have pre-existing conditions, we can typically find a policy that provides the protection you need.
How does the cash back refund work?
If you outlive your policy's term (15, 20, 25, or 30 years) and your policy is in good standing, you can request a refund of your base premiums within a specific window. You'll receive this money as a tax-free lump sum.
How quickly can I get covered?
The process is incredibly fast. With our instant-decision electronic application, most applicants get approved the exact same day they apply, with coverage starting immediately upon your first premium payment.
Is my information secure?
Absolutely. We use bank-level encryption and strict privacy protocols to ensure your personal and medical information is completely secure. Your data is never sold or shared with unauthorized third parties.
YOUR FAMILY IS COUNTING ON YOU.
PROTECT THEIR HOME TODAY
With Americo's Cash Back Option, you're protected and get your premiums back if you outlive your term. Get your free quote in under 60 seconds.
(423) 555-0174
Americo CBO · No medical exam · Living benefits included · Up to 100% cash back