Mortgage and Paycheck Protection

Mortgage and Disability

Protection Insurance With Full

Return of Premium

Mortgage and Disability Protection Insurance

With FULL Return of Premium

Your Two Biggest Assets to Protect:

"Your Ability To Earn An Income"

and Your Home!

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As an Independent Broker, We Work For You!

We find you the best coverage in the market to meet your budget and needs!

Do I Need Disability Insurance?

Consider this, between the ages of 25-55 your chances of being disabled are higher than your chances of dying. This is why long-term disability insurance needs to be considered.

Mortgage Protection & Disability Insurance with Full Return of Premium — Because Every Paycheck Counts.

Owning a home is one of life’s greatest achievements, but it also comes with significant financial responsibilities. Imagine what would happen if you were suddenly unable to work due to an illness or injury.

How would you continue to make your mortgage payments?

At GuardSmart, we understand the importance of safeguarding your home and your family's peace of mind. That's why we offer comprehensive Mortgage Protection Insurance with Disability Income benefits of up to $3,000 per month—designed to cover your mortgage payments if you become sick or injured and are unable to work.

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Who Will Pay Your Bills If You Get Sick or Hurt and Can't Work?

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Are You Prepared for the Unexpected? 😟

Limited-time offer: Lock in your rate today!

Mortgage Protection with Disability and Critical Illness Insurance if You Get Sick or Hurt and Can't Work.

Protect What Matters Most

Our Mortgage Protection Insurance is specifically designed to ensure that your home remains protected even in the face of unexpected challenges. Here’s how we help you secure your home and your financial future:

This is only an example. Each individual will receive their own price.

Why Choose GuardSmart Mortgage Protection Insurance?

Affordable Rates: We offer competitive pricing to ensure you get the best value for your money.
Customizable Coverage: Tailor your policy to fit your unique needs and financial situation, including the disability income amount and coverage period.
Reliable Protection: Backed by a trusted provider with years of experience in protecting families and their homes.

1. Disability Income Benefit: Up to $3,000/Month

If you become unable to work due to an illness or injury, our policy provides up to $3,000 per month to cover your mortgage payments. This ensures you won't have to worry about losing your home while you focus on recovering and getting back on your feet.

Peace of Mind: Know that your mortgage payments are covered, so you can concentrate on what matters most—your health and recovery.
Flexible Payouts: Use the monthly income benefit to cover mortgage payments or any other expenses, offering financial flexibility in times of need.
Comprehensive Coverage: Protection for both short-term and long-term disabilities, whether due to accidents or illnesses.

2. Full Return of Premium Option

With GuardSmart’s Mortgage Protection Insurance, you can choose an incredible feature that sets us apart: the Full Return of Premium option.

If you never use your coverage while you're working, we will refund 100% of your paid premiums.

No Cost Coverage: Essentially, you are getting the protection you need without any cost if you remain healthy throughout your coverage period.
Smart Financial Decision: Receive all your money back if you don’t claim any benefits—it's a win-win situation for you and your family.
Guaranteed Refund: Your premiums are fully refunded, making this a smart, risk-free way to protect your home.

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Plans are flexible and can be made to fit Any budget with Full Return of Premium

Why You Need Mortgage & Paycheck Protection

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Living paycheck to paycheck means any unexpected event, like an illness or injury, can have a huge impact on your finances. How would you cover your bills if you suddenly couldn’t work?

That’s why GuardSmart created Paycheck Protection — a disability insurance policy designed specifically for hardworking individuals like you. It helps replace your income when life takes an unexpected turn, so you can focus on what really matters without financial stress.

Receive a steady income if you can’t work due to illness or injury.
Enjoy a Full Return of Premium if you never use the coverage — a safety net that doubles as savings!
Flexible, affordable plans tailored to fit your lifestyle and budget.