Mortgage Protection in Florida | UNIVISTA INSURANCE

Mortgage Protection

A mortgage protection policy helps protect your home, family and income in case of premature death or the financial devastation of a terminal, chronic, critical illness or critical injury.

Univista Insurance offers you the financial security and peace of mind in case one of these life threatening events occur, through life insurance with living benefits.

Breathe Easier… Protect your family NOW!

Mortgage Protection

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Qualifying events

Did you know that every 40 seconds in the US a person is diagnosed with cancer, stroke or a heart attack? These life events can prevent you from continuing to work and consequently produce the income that covers your daily expenses. We provide greats coverages (no physical exam) and affordable premiums from companies you can trust.

Terminal Illness: Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months (12 months in some states) of certification of the illness by a physician.

Chronic Illness: A doctor has certified, within the past 12 months, that you are unable to perform two out of six “activities of daily living” for a period of at least 90 consecutive days without assistance, or that you are generally cognitively impaired.

Critical Illness includes: ALS (Lou Gehrig’s disease), Aorta Graft Surgery, Aplastic Anemia, Blindness, Cancer, Cystic Fibrosis, End Stage Renal Failure, Heart Attack, Heart Valve Replacement, Major Organ Transplant, Motor Neuron Disease, Stroke, Sudden Cardiac Arrest

Critical Injury: Coma, Paralysis, Severe Burns, Traumatic Brain Injury

Mortgage Protection

Feature Our Policy Traditional Mortgage Policy
Flexibility Structure your policy to meet your needs The mortgage determines the structure
Choice You choose your beneficiary The mortgage holder is the beneficiary
Death Benefit The death benefit goes to your named beneficiary, they choose how to use it The death benefit automatically goes to the mortgage holder
Protection Permanent life insurance generally maintains a level death benefit The death benefit generally decreases in step with the outstanding mortgage debt
Portability You can take your policy with you when you sell your home or refinance A traditional mortgage protection policy is normally tied to a specific mortgage
Cash Value Permanent life insurance can build cash value for the future Traditional mortgage policies do not build any future value
Living Benefits Optional Riders can provide access to your death benefit in case you are diagnosed with a terminal, chronic, critical illness or a critical injury. No living benefits
Optional Riders Optional riders can provide benefits in case of disability or unemployment No disability or unemployment benefits

Everyone’s goal in life is to have their income higher than their expenses. Two things may happen when you have a chronic or critical illness. One is that your income goes down. You are going to have time off of work and you will need time to recover. The second thing that may happen is that you will have increased expenses. Even if you have the best health insurance policy available, you will have co-pays and deductibles and possibly medicine that health insurance will not cover. So what ends up happening is that you create debt or spend your savings. The beauty of the living benefits is that the insured has access to benefits to help offset the increased expenses and decreased income. This in turn in most cases allows you to keep the gap between your expenses and your income.

We all want to provide love and protection to those that depend on us for everything. One of the main attributes of the typical hero is to provide help when it’s most needed. That’s how we look at life insurance…

Life insurance coverage isn’t about you. It’s the ultimate gift of love – a legacy that you can provide to the ones who matter most to YOU. Whether you are there or not, they can continue to live, grow, and achieve.

Let’s get started. We’ll have you back to your super hero duties in no time…

family health

“Nicholas, married and with two children, suffers a severe heart attack at age 54. He uses the critical illness clause (Benefit Clause 3 Advancing -ABR3-). So he can use that money to cover his medical expenses and pay the family mortgage.”


“Isaac who had less than two years to live. Through the terminal illness clause (Advanced Benefit Clause) he chose to access the total death benefit to enjoy life to the fullest during his last two years.”


“Sophie at 79 develops a chronic illness and enters a nursing home. The chronic illness clause allows you to help pay for the nursing home and other medical expenses.”


“Juan and Maria are parents of Antonio, who is about to begin his university studies. Through loans and withdrawals, you can access the amount accumulated in your policy to offset tuition payments.”

Get the information you need to choose the right coverage for you!
Speak to a Licensed Univista Insurance Agent Today!
Call now! (305) 995-0032

What type(s) of Insurance(s) do you need?

Let us help you make the right decision by finding affordable car insurance that suits your needs. Riding with you wherever you go.

One of the largest investments you can make is your home. UniVista helps you find the best coverage. Your home shelters you, we shelter your home.

UniVista Insurance is ready to assist you in identifying all your potential commercial insurance. Protecting you is our business.

Think about tomorrow and let UniVista Insurance help you get life insurance. We value your life.

We help you find tailored health insurance options that best suit your needs from multiple companies. Building healthy relationships.

We help you find tailored health insurance options that best suit your needs from multiple companies. Building healthy relationships.