Black Bull Financial
Protect Your Home. Secure Your Family.
Affordable mortgage protection life insurance
Welcome
Black Bull Financial specializes in helping new and refinancing homeowners secure simple, affordable life insurance policies designed to protect their mortgage. Our licensed professionals have years of experience matching individuals and families with the right coverage so they can rest easy knowing their home is safe.
Unfortunately, many homeowners either delay or overlook getting the life insurance coverage they need after purchasing or refinancing their home. As a result, their families are left financially exposed if the unexpected happens. Mortgage protection life insurance offers a simple, affordable way to ensure your loved ones can continue making mortgage payments—or pay off the loan entirely—so they’re never at risk of losing the home during a difficult time.
What Is Mortgage Protection?
Mortgage protection insurance is a type of life insurance specifically designed to pay off your mortgage if you pass away. Unlike private mortgage insurance (PMI), which protects the lender, mortgage protection coverage is designed to protect your loved ones—helping ensure your family can stay in the home without the burden of monthly payments. Policies are tailored to match your loan amount and term, offering peace of mind and financial stability during one of life’s most difficult moments.
How it works
When you purchase mortgage protection insurance, you choose a policy amount and term that align with your mortgage balance and loan duration. If you pass away during that period, the insurance pays a tax-free lump sum to your beneficiary—typically your spouse, children, or a trusted family member. They can then use the funds to pay off the mortgage or keep up with monthly payments, preventing financial stress or foreclosure.
Who Uses Our Services?
01
New Homeowners
Individuals and families who’ve recently purchased a home and want to protect their investment from day one.
02
Family Offices
Seeking portfolio diversification and attractive returns, family offices find life settlements appealing. They offer stability, low market risk, and can align with social responsibility goals.
03
Private Funds
Individuals diversify their portfolio with life settlements, enjoying steady returns and potential inflation hedging. Accessible with small investments, they offer resilience and balance.
04
Retail Investors
Retail investors diversify beyond stocks and bonds with life settlements, gaining stable returns and a predictable income stream. Their long-term nature aligns well with retirement planning.
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