How Teachers Can Protect Their Homes with the Right Insurance

Why Mortgage Protection Deserves a Spot in Your Financial Plan

🏠 What Is Mortgage Protection?

Mortgage protection isn’t one specific type of policy — it’s a smart use of insurance tools to ensure your home stays protected no matter what life throws at you.

It usually takes the form of:

🛡️ A term life insurance policy large enough to pay off your mortgage if you pass away

💼 A disability insurance policy that helps cover monthly payments if illness or injury prevents you from working

This coverage is customized to your loan balance, income, and lifestyle, and can be surprisingly affordable — especially for younger teachers.

⚠️ A Common Risk: Income Loss = Housing Loss

Imagine this: Emily, a 39-year-old elementary teacher, is diagnosed with cancer. She has decent health insurance through her district, but her income drops by 40% when she’s on extended leave.

With no personal disability coverage in place, she and her spouse start missing mortgage payments.

They aren’t irresponsible — they just weren’t prepared.

Mortgage protection isn’t about fear. It’s about buying time and breathing room when life doesn’t go as planned.

🚫 What Mortgage Protection Is Not

Some banks offer something called “Mortgage Protection Insurance” that only pays them, not your family.

We recommend avoiding those policies and instead using:

✅Term life insurance – Pays your beneficiary, not the bank

✅Disability insurance – Puts money in your hands each month if you can’t work

With the right policy design, you stay in control — not your lender.

🧩 How to Build a Mortgage Protection Plan

Here’s how to get started:

🔢Know your numbers – What’s your monthly mortgage? How much is left on the loan?
🧱Layer your coverage – Combine life + disability protection to cover both scenarios
🔄Make it portable – Choose a policy you can keep even if you change districts or retire
👥Work with someone who understands teachers – Your schedule, income, and benefits are unique

🏡 Your Home Is Worth Protecting

You don’t need to overhaul your entire financial life — just make sure your biggest asset (your home) is protected, no matter what.

It’s not about fear. It’s about stability, confidence, and peace of mind.

🏠 What Is Mortgage Protection?

Mortgage protection isn’t one specific type of policy — it’s a smart use of insurance tools to ensure your home stays protected no matter what life throws at you.

It usually takes the form of:

🛡️ A term life insurance policy large enough to pay off your mortgage if you pass away
💼 A disability insurance policy that helps cover monthly payments if illness or injury prevents you from working

This coverage is customized to your loan balance, income, and lifestyle, and can be surprisingly affordable — especially for younger teachers.

⚠️ A Common Risk: Income Loss = Housing Loss

Imagine this: Emily, a 39-year-old elementary teacher, is diagnosed with cancer. She has decent health insurance through her district, but her income drops by 40% when she’s on extended leave.

With no personal disability coverage in place, she and her spouse start missing mortgage payments.

They aren’t irresponsible — they just weren’t prepared.

Mortgage protection isn’t about fear. It’s about buying time and breathing room when life doesn’t go as planned.

🚫 What Mortgage Protection Is Not

Some banks offer something called “Mortgage Protection Insurance” that only pays them, not your family.

We recommend avoiding those policies and instead using:

✅ Term life insurance – Pays your beneficiary, not the bank
✅ Disability insurance – Puts money in your hands each month if you can’t work

With the right policy design, you stay in control — not your lender.

🧩 How to Build a Mortgage Protection Plan

Here’s how to get started:

🔢 Know your numbers – What’s your monthly mortgage? How much is left on the loan?
🧱 Layer your coverage – Combine life + disability protection to cover both scenarios
🔄 Make it portable – Choose a policy you can keep even if you change districts or retire
👥 Work with someone who understands teachers – Your schedule, income, and benefits are unique

📘 Bonus Resource
The Income Protection Workbook for Educators is a simple, no-pressure guide to help you think through real-life income risks — like missed mortgage payments — and start building a plan that protects your paycheck and your home.
👉 Click here to download your free workbook

📞 Have Questions? Let’s Talk.
👉 Schedule a Free 15-Minute Call

Talk soon,
Walter Johnson
Founder, Protecting Teachers’ Income
CA Insurance License OJ15814
walter@protectingteachersincome.com
www.protectingteachersincome.com