Your home is one of the biggest financial commitments you will ever make. If something unexpected happens—such as a serious illness, disability, or premature death—Mortgage Insurance helps ensure your family never loses the home you worked so hard for.
At Hilltop Financials, we provide personal mortgage insurance solutions that offer stronger protection, better flexibility, and significantly more benefits than typical bank mortgage insurance.
We compare Canada’s top insurers to help you choose the plan that truly protects your family, not the bank.
Many Canadians don’t realize that the mortgage insurance offered by banks is often more restrictive, less flexible, and more expensive over time. Personal mortgage insurance—also known as Life Insurance for Mortgage Protection—provides far better coverage.
Personal plans allows Level premiums, Better underwriting, Higher coverage limits, Return-of-premium options, Additional riders (disability, critical illness, etc.)
Personal mortgage insurance provides stronger long-term stability by ensuring your loved ones can Pay off the mortgage, Cover living expenses, Manage debts, Stay in the family home.
Hilltop Financials provides multiple solutions to help safeguard your home if something unexpected occurs.
Provides a tax-free lump sum to your beneficiaries so they can pay off the mortgage.
Ideal for:
Pays out a lump sum if you’re diagnosed with a major illness like cancer, heart attack, or stroke—allowing you to continue mortgage payments during recovery.
Covers:
If an injury or illness prevents you from working, disability insurance provides monthly income replacement to help pay your mortgage and other essential expenses.
Perfect for:
Bank insurance seems convenient, but it offers minimal value and weaker protection. Issues include
By choosing personal mortgage insurance through Hilltop Financials, your home and family receive real, long-lasting protection.
Mortgage protection is ideal for
If something happens tomorrow, your family should never have to worry about keeping a roof over their heads.
Your home is more than an investment—it’s where your family builds memories, security, and stability. Protect it with the right mortgage insurance plan.
