The Porter Agency · Licensed insurance advisors
Mortgage protection life insurance with living benefits: coverage that can help pay off your home if you pass — and lets you access your benefit early if you're diagnosed with a qualifying terminal, chronic, or critical illness like cancer.
The difference
Most life insurance only pays out after you're gone. Many of the policies we offer include living benefit riders — so if life takes an unexpected turn, your coverage can be there for you now, not just for your family later.
Diagnosed with a qualifying terminal illness? You may be able to access a portion of your benefit early to use however you need — treatment, bills, or time with family.
A qualifying event like cancer, heart attack, or stroke may let you accelerate part of your benefit — money that can help while you focus on recovery.
If a qualifying chronic condition affects your ability to care for yourself, living benefit riders may help cover the cost of care.
Living/accelerated benefits are provided through optional riders, vary by policy, carrier, and state, and are subject to eligibility, underwriting, and specific qualifying conditions. A licensed agent will explain what's available for your situation.
What we offer
Why The Porter Agency
We're not captive to one company. We compare top-rated carriers to find your best fit.
You work with a real, licensed advisor who takes the time to understand your family.
Your quote and consultation are free and no-obligation. Always.
We specialize in coverage that protects your home and works while you're still here.
Your licensed advisors
You'll work directly with a licensed insurance producer — never a call center.
Licensed Insurance Producer
National Producer Number 18360349
Licensed Insurance Producer
National Producer Number 18661450
How it works
Tell us a little about you and what you want to protect. Takes about two minutes.
Your advisor shops top-rated carriers to match coverage to your needs and budget.
Choose the plan that fits, and rest easier knowing your family is covered.
Common questions
Living benefits (also called accelerated death benefits) are riders on a life insurance policy that may let you access part of your death benefit while you're still living if you're diagnosed with a qualifying terminal, critical, or chronic illness. Availability and terms vary by policy, carrier, and state.
It's life insurance designed around your mortgage — coverage intended to help your family pay off or keep up with the home loan if something happens to you, so they can stay in their home. Many of these plans also include living benefits.
Not always. Many of the plans we offer have simplified or no-exam underwriting. The right option depends on your age, health, and coverage amount — your advisor will walk you through what you qualify for.
No. We're an independent agency, which means we compare multiple top-rated carriers on your behalf to find coverage that fits your needs and budget — rather than selling one company's products.
It depends on the type and amount of coverage, your age, and your health. That's exactly what a quote is for — request one and your advisor will give you real options. There's no cost or obligation.
Yes. Requesting a quote and speaking with an advisor is completely free and no-obligation. You decide if and when coverage is right for you.
Request your quote
Tell us a little about you and a licensed advisor will reach out with real options built around your home, your health, and your family. No cost. No pressure.