A single mortgage protection solution cannot meet every need
Not every client has the same reality. Whether it is a first home purchase, self-employed, financial obligations to protect, or a client who may not qualify elsewhere, one single mortgage protection solution cannot meet every need.
A smarter, more flexible approach to mortgage protection
Humania gives you access to three simple, flexible mortgage solutions to help you recommend coverage better suited to each client’s profile and situation.
Humania’s mortgage solutions
Compare the three solutions at a glance to better understand their differences, guide clients toward the right solution based on their profile, and access the right calculator to prepare a quote.
Prohealth Payments
Protect the ability to keep up with payments when the unexpected happens.
Eligibility
Client eligible for standard disability coverage.
Typical profile
- Employee or self-employed worker
- Ages 25 to 50
- Looking for protection against everyday unexpected events
- Wants to protect financial obligations
Key advantages
- Covers accident and illness
- Helps protect a wide range of personal and business expenses
- Helps cover expenses often excluded from traditional coverage
- Coverage of up to $10,000/month
HuGO
Debts
Protect what matters most with a simple, accessible solution.
Eligibility
Client must be eligible for standard life coverage.
Typical profile
- Young family
- Ages 25 to 50
- Looking for simplicity and speed
- Wants life and debt disability protection
Key advantages
- Covers accident and illness
- Helps protect life and debt disability needs
- Competitive rates
- Enhanced coverage of up to $2,500/month in debt disability insurance
IWME
Disability Debt
Protect debt obligations, even when insurability is more complex.
Eligibility
Client not eligible for standard disability coverage or standard life coverage.
Typical profile
- Client with more complex insurability
- Ages 25 to 45
- Looking for fast, accessible coverage
- Wants immediate coverage with no medical exam
Key advantages
- Covers accident and illness
- Guaranteed immediate acceptance
- No medical tests
- Simple, streamlined process
- Up to $2,500/month in debt disability insurance