High Net Worth Insurance Working Model - SafeBridge Financial Group

How Mortgage Insurance Works

Mortgage insurance enables you to pay back all or a portion of your financial obligations in the unfortunate event of death. Avoid a disability or serious illness having a huge impact on your finances and lifestyle by enhancing your coverage.

Are You In Need of Mortgage Insurance?

Purchasing a home is one the biggest investments you’ll make in your life. It is essential to find mortgage insurance that is specific to your situation. There are many advantages to getting your mortgage insurance  with us that your lender doesn’t offer. 

  1. You’ll keep your mortgage insurance even if you switch lenders when you renew your mortgage.
  2. You own the contract and choose your beneficiaries.
  3. Your premium is set based on your personal profile and will not increase, even if your health condition worsens.

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    Why Mortgage Insurance is Important

    What would happen if your spouse were to pass away suddenly? Would you be able to cover your mortgage payments and your expenses? Mortgage insurance enables you to pay back all or a portion of your financial obligations in the event of death. Avoid a disability or serious illness having a huge impact on your finances and lifestyle by enhancing your coverage. This will ensure your investment is protected against life’s little surprises. Thus, you can focus on your family without worrying about money.

    How SafeBridge Can Help

    Have Control Over Your Policy

    At SafeBridge it is our goal to ensure you have control over your insurance policy at all times.

     With a  traditional lending institution, the lender owns the policy and the policy is designed to protect the lender. Your insurance is tied to your lender, and cannot be easily transferred when your mortgage is up for renewal.  At SafeBridge, you own the policy. It’s that simple.  You have the freedom to choose your own beneficiary and decide what type of insurance best suits your individual needs. You can switch your mortgage for a better rate at another lending institution without jeopardizing, or having to medically re-qualify for, your life insurance coverage.

    Feel Protected With the Right Coverage

    Our Goal is to ensure you get the right coverage every time. At a traditional lending institution,  you get only one-size-fits-all policies, regardless of your medical history. As a result, your payout can be delayed or you may even be deemed ineligible in your time of financial need. At SafeBridge, your insurance is medically underwritten upfront. This means you will only be insured for an amount you will be eligible for down the line. Any life insurance proceeds are guaranteed to be paid out in a timely manner.

    Plan for the future

    We want to help you plan for the future.  At a  traditional lending institution, when your mortgage is paid off, so is your insurance. Or you may be cut off from mortgage insurance once you reach a predetermined age. At SafeBridge, your insurance is designed to suit your needs, and, as part of a life insurance package, can be converted to a whole life insurance policy that can be used by your family to cover costs on your estate.

    Your Choice of Mortgage Insurance Broker

    At  SafeBridge our access to the top Mortgage Insurance companies sets us apart.  With over 20+ years in the Mortgage Insurance space,  our team of licensed Insurance professionals is qualified to help you find the best  Mortgage Insurance policy that matches your financial goals. 

    Each individual client is unique and we pride ourselves in customized solutions that solve your unique challenges with regards to Mortgage Insurance. 

    When you work with SafeBridge, our team of professionals take the time to understand your situation and come up with the perfect mortgage insurance solution.  It is always in your best interest to work with a company that will not only help you get the right mortgage Insurance, but also ensure it is structured properly to help achieve your financial goals. As a company we help thousands of clients each year find the perfect mortgage Insurance products to fit their needs.

    Get Started Today With SafeBridge

    Want to learn more about our mortgage insurance options? Click here to speak with a SafeBridge Insurance agent today!

    Apply Now
    Our Team - SafeBridge Financial Group

    Have Questions?
    We Have the Answers

    Is my annual premium fixed?

    The amount of mortgage insurance coverage you buy from an insurance company will remain the same for the duration of the loan… Example, you have a $1,000,000 mortgage and buy $1,000,000 in coverage that you will keep year after year. At a bank, the amount of your mortgage insurance coverage will decrease as the balance of your mortgage decreases while your premium will remain the same.

    Can I convert my mortgage insurance to something more permanent?

    An insurance company will allow you to convert your mortgage insurance to permanent life insurance, as needed, throughout the term of your loan. If you do convert your insurance, your premium will not increase and you will not have to undergo a medical exam. The policy will remain in force until your death.

    Double Quotes

    Over the last 20 years we’ve been successful in attracting over 60 various lenders that our clients can benefit from. SafeBridge has evolved over the years and has become a very successful company…. The education, that comes along with not just the mortgage agent side of things, but also on the insurance and the investments and the financial planning all comes together in one holistic approach.


    Double Quotes

    For several years Andre has worked in the Financial Planning and Mortgage Solutions field with Scotiabank. After experiencing success, and gaining a wide knowledge base in the banking world, he decided to leave the bank to join a Boutique Mortgage Brokerage, Safebridge Financial Group.  Andre made the change so that he could offer clients a wider variety of mortgage options and lenders.

    Andre Persaud,

    Mortgage Agent

    SafeBridge Brokers & Advisors

    Meet the Team

    At SafeBridge we believe in experiencing growth together. We want to ensure that each of our agents is successful and feels a part of the SafeBridge team. We offer customized training, lender previews, team events and even team trips to build the strong culture of inclusion and support that so many of our agents enjoy.

    We believe it is essential to hire and Partner with the right people. We are looking for the best and brightest in the Industry to join our Exclusive Group of Professionals. Our team consists of loyal top producing Agents that have demonstrated exceptional care for their clients and passion for the industry in which they serve. Our Mortgage Centered Financial Planning approach helps our team foster long lasting relationships, which brings a unique process to the mortgage business.

    SafeBridge Partners
    Trusted by the
    Biggest Names in Insurance

    SafeBridge understands your life insurance needs and will recommend the right product for you. We don’t just look at insurance, like insurance. We look at insurance as a wealth-building tool and a way to pass on generational wealth by working with the best insurers.

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