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Term Life Insurance & Mortgage Protection

Protect the people you love—when they need it most.
Life doesn’t always give us warnings. A sudden loss can leave a family facing not only emotional hardship, but also the financial weight of a mortgage, debt, or everyday expenses. Term life insurance and mortgage protection coverage are simple, affordable ways to make sure your loved ones never carry that burden alone.

A Simple Step That Makes a Big Difference

You work hard to build a life for your loved ones. Term life and mortgage protection make sure that life stays protected—no matter what tomorrow brings.

What Is Term Life Insurance?

Term life insurance provides coverage for a set number of years—commonly 10, 20, or 30. If something happens to you during that time, your family receives a tax-free payout they can use for anything they need:
  • Mortgage or rent
  • Monthly bills
  • Income replacement
  • Childcare or education costs
  • Final expenses
Because term insurance is focused on pure protection (not investment), it’s typically the most affordable way to secure high coverage.

What Is Mortgage Protection?

Mortgage protection is a form of term insurance designed specifically to safeguard your home. If you pass away during the term, the death benefit can pay off the remaining mortgage balance or provide a financial cushion so your family can stay in the home without worry.
 
Your home is more than a building—it's where memories live. Mortgage protection ensures those memories stay protected.
Why This Coverage Matters
When you buy term life or mortgage protection, you’re not buying a policy—you’re buying peace of mind. You’re giving the people who count on you the security to stay in their home, maintain stability, and move forward with dignity.
Benefits at a Glance
  • Affordable premiums that fit most budgets
  • Customized coverage lengths to match your mortgage or goals
  • Guaranteed level rates for the entire term
  • Tax-free benefit for your chosen beneficiaries
  • Protection for your family’s future when they need it most

For First-Time Homebuyers:

Your new home is more than a purchase—it’s a foundation for your future. Mortgage protection ensures that your family will never be forced to give it up because of an unexpected loss.
With mortgage protection, the coverage can:
  • Pay off the remaining mortgage balance
  • Prevent foreclosure or forced sale
  • Keep your family in the home they love
  • Provide financial stability during a difficult time
It’s a simple, affordable way to protect the investment you’ve worked so hard to secure.
Life changes fast. And while you can’t predict the future, you can plan for it. Term life and mortgage protection give your loved ones:
  • Stability
  • Security
  • A home to stay in
  • A future that stays protected—no matter what
Benefits at a Glance
  • Budget-friendly premiums
  • Coverage tailored to your mortgage and family needs
  • Level rates that stay the same
  • Tax-free benefits paid directly to your chosen beneficiary
  • Peace of mind you can feel every time you walk through your front door

Protect What Matters Most

Whether you’re raising a family or settling into your first home, this coverage is about honoring the people who depend on you. A small, simple step today can protect their entire world tomorrow.

Get in Touch


By providing my information, I grant permission to Michael Varela, an independent licensed insurance agent, to contact me by phone, email, or text regarding my insurance options. These options may include, but are not limited to, Medicare Supplement (Medigap) plans, Medicare Advantage (Part C) plans, Medicare Prescription Drug Plans (Part D), ACA/Marketplace health plans, and other insurance products for which I may be eligible.

Michael Varela is an independent insurance agent and is not connected with, endorsed by, or acting on behalf of Medicare, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, the Department of Health and Human Services, or any state or federal government agency. Submission of my information does not obligate me to enroll in any plan, and I understand I may contact Medicare directly at 1-800-MEDICARE or visit Medicare.gov for official information.

By providing my cell phone number, I authorize Michael Varela to contact me at that number. I acknowledge that calls or texts may be sent using an automatic telephone dialing system or with prerecorded/artificial voice messages. My consent is not a condition of enrollment or purchase. Message and data rates may apply. Text STOP to opt out at any time or HELP for more information.

I understand that any personal information I provide may be used for the purpose of discussing insurance plan options and eligibility, and will be handled in accordance with applicable privacy and confidentiality requirements.

We proudly represent 4 insurance carriers and 17  product options to help you find what fits your needs. Michael Varela is an independent insurance agent/broker and is not affiliated with or endorsed by Medicare or any government agency. 

 

By calling this number you will reach a licensed insurance agent 503-825-2745

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