Mortgage Protection

Low-cost coverage options that help cover the cost of your mortgage in case of disability or loss of life.

Avoid Stress and Protect your Home

Be ready for the unexpected and ensure you're covered in the event you can no longer make payments on your mortgage due to death or disability. Our low-cost coverage can help you enjoy your home without worry, and it can easily be added to any mortgage when Arbor is your lender. With four coverage options you are sure to find the right policy for you. You can cancel your coverage at any time. Coverage is available on all plans for up to 2 borrowers.

Life Insurance Plans

Mortgage Life Insurance
- This plan will cover part of your mortgage remaining in case of loss of life, up to $300,000. Premiums will not increase as you age.
2 in 1 Life Plus
- This plan has all of the benefits of the Mortgage Life Insurance plan, but also adds a monthly benefit and discounts the second borrower's plan.

Emergency Plans

Mortgage Accidental Insurance
- Coverage provides partial mortgage coverage in cases of accidental death up to $300,000
Mortgage Disability Insurance.
- Coverage helps pay mortgage payments in case of disability up to $1,500 per month for 12 months. If you are disabled more than once you may be eligible to go over the 12 month timeframe. Mortgage Disability Insurance.

Purchasing Options

Purchase the mortgage protection option best for you by contacting your Arbor financial mortgage lender, or our mortgage team. Price will very depending on mortgage amount and in some cases age. Arbor Financial must be your mortgage lender in order to qualify. Your premium will be taken out of your allocated Arbor Checking or Savings account monthly as an automatic payment.

We are here to help, talk to one of our lending specialist today to find the right option for you.

Contact Us!

Contact a Mortgage Specialist

By Phone

269.544.3186

Schedule an Appointment

Virtual and in person appointments available

Frequently Asked Questions

Mortgage Protection

: When you refinance we will work with you to facilitate the recalculation of your coverage payment and the transfer of benefits to the new mortgage.
: This coverage will only protect you in cases of emergency. If your home is damaged at any point you will need to file a claim with your Home Owner's insurance company.
: You may cancel at any time. Simply notify us that you would like to cancel in writing. Then we will file the request with the insurance provider and work with you to make sure the plan is cancelled.
: Plans vary depending on your mortgage amount and in some cases age. If you reach out to one of our mortgage specialists we can assist you in the process to get an exact quote for you and your home. Most plans cost between $20 and $30 per month.
: No, typical home owner's insurance does not cover loss of life or disability. It is important to look at your home insurance policy before to insure what your policy covers. If you are not satisfied with your coverage, Arbor Financial members can get home insurance discounts through Liberty Mutual.

Learn more
: Unfortunately, in order to add coverage your mortgage must be at Arbor Financial Credit Union. However, if you choose to refinance at any point, you can easily add loan insurance.

1. Mortgage protection, provided in partnership with Unitas Financial Services, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. This is not a deposit and is not insured by a government agency or the NCUA. Not guaranteed by the lender.

Marketing materials are not intended to provide in-depth information about all plans available. It only provides a basic overview of the Unitas Financial Services plans. Complete terms and provisions are contained within each of the plans.