MANHATTAN LIFE INS CO. Major Rating Factors: Good quality investment portfolio (6.1 on a scale of 0 to 10) despite mixed results such as: minimal exposure to mortgages and large holdings of BBB rated bonds but small junk bond holdings. Good Liquidity (6.1) with sufficient resources to handle a spike in claims as well as a significant increase ...Get fast and reliable telehealth services from Manhattan Life, a trusted partner of TelaHealth Consultants. Register now and enjoy the benefits of virtual healthcare.ManhattanLife is committed to providing reliable, innovative, and cost-effective products, whether it’s reinsurance facilities for the life and health insura... Cancer and/or Heart Attack & Stroke offers customizable coverage up to $75,000. Choose Cancer only coverage, Heart & Stroke only, or a combination of both. BENEFITS. Lump Sum Benefits up to $75,000. OPTIONAL RIDER. Cancer Recurrence Benefit Rider. Heart and Stroke Restoration of Benefits Rider. View Brochure. Juan Manuel Merchan. 1962 or 1963 (age 61–62) Bogotá, Colombia. Education. Baruch College ( BBA) Hofstra University ( JD) Juan Manuel Merchan [1] (born 1962/1963) [2] is … User login page. Enter your details to begin: By registering and logging in, I acknowledge and agree to be bound by the Terms and Conditions for this web site. ManhattanLife Employee Benefits. 152 followers. 11mo. Having ManhattanLife Voluntary Benefits can have a significant and positive impact on the employee experience. Join us at BenefitsPRO Broker ...Dec 6, 2021 · The majority of term life insurance policies through Manhattan Life are simplified, meaning they don’t require the exam. They have a maximum face amount (death benefit amount) of $250,000. They include: Viva Life Professional – 15 to 20 year term, based on age. Viva Life Family – 15 to 20 year term, based on age. James Washington, a May 2024 graduate of Manhattan College majoring in Exercise Science and a U.S. Army veteran, has been selected as the undergraduate …Web Application from ManhattanLife. User Name Goes Here. User Email HereManhattanLife is one of the oldest and most reliable life and health insurance companies in the country. We have assembled a full range of insurance and annuity products to support every phase of life, from mortgage insurance for your home and accident insurance for you and your family to Medicare Supplement options and annuities for your ...Milo Riverso, Ph.D., P.E., President of Manhattan College, today announced that Alex Cohen, philanthropist and owner of the New York Mets, will deliver the keynote …10777 Northwest Freeway. Houston, Texas 77092. United States. Web: www.manhattanlife.com Phone: 713-529-0045 Fax: 713-821-6492. AM Best Rating Unit: AMB #: 070357 - Manhattan Insurance Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information.Accident Insurance. For life's unexpected events. “Accidents happen,” the old saying goes. “You can’t plan on them, but you can plan for them.”. The Personal Accident Indemnity Delivery (PAID) and AccidentGuard from ManhattanLife help you pay for out-of-pocket expenses and provides benefits to you or your family for many of the ...ManhattanLife’s First Occurrence & Cancer and/or Heart & Stroke plans provide an important safety net beyond traditional health insurance. You choose how to use your Lump Sum benefits and how to address the financial consequences of a Cancer and/or Heart & Stroke diagnosis. In addition to Cancer, Heart & Stroke coverage, ManhattanLife also …Manhattan Life Insurance offers whole life insurance policies with coverage amounts ranging from $10,000 to $250,000. The policies come with a guaranteed death benefit and cash value accumulation, and premiums are guaranteed to … 10777 Northwest Freeway. Houston, Texas 77092. United States. Web: www.manhattanlife.com Phone: 713-529-0045 Fax: 713-821-6492. AM Best Rating Unit: AMB #: 070357 - Manhattan Insurance Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information. STC Short Term Care and Rider Claim Form by Claim Form. Other Forms. Affidavit of Lost Policy Form. Bank Draft Authorization Form (In English) / (en Español) Beneficiary Change Form. Health Policy Cancellation Form. HIPAA Form (release PHI from provider) / Other HIPAA Form (release PHI to agent, family member, other 3rd party) Persistency ... Hospitalization coverage pays benefits directly to you. A full range of term life and whole life insurance to meet your needs and objectives, whether you’re looking for individual or family coverage. Mortgage protection insurance from ManhattanLife enables you to protect your family’s well-being and cover your mortgage in full. Get fast and reliable telehealth services from Manhattan Life, a trusted partner of TelaHealth Consultants. Register now and enjoy the benefits of virtual healthcare.Dec 5, 2019 · Plan Benefits include: Choice between a $1,000, $1,500, or $3,000 policy year maximum. Dental coverage for: Preventive Services. Basic Services. Major Services. Vision coverage for eye glasses, contact lenses, and more. Hearing coverage for hearing aids, exams, and more. With no enrollment periods, anyone ages 18-85 can apply at any time ... About us. ManhattanLife is one of the oldest insurance companies in the U.S. For over 170 years, we have stood by policyholders with diligence and compassion. Year after year …based on $1,000, $1,500 or $3,000 Policy Year Maximum. Use the age of the oldest applicant. Benefit exclusions and limitations apply.ManhattanLife is one of the oldest and most reliable life and health insurance companies in the country. We have assembled a full range of insurance and annuity products to support every phase of life, from mortgage insurance for your home and accident insurance for you and your family to Medicare Supplement options and annuities for your ...under no circumstances shall the companies of manhattan life group be liable for any damages or injury or loss, including any direct, special, incidental, consequential or punitive damages, that may result from the use of, or the inability to use, the materials in this site, whether in an action of contract, negligence or other tortious action ...ManhattanLife has been a private company since our founding in 1850. Our independence has enabled us to remain free to make decisions that align with our values and core mission – helping policyholders attain and sustain health, wealth, and security throughout your life. We demonstrate this commitment by offering a wide range of products ...Manhattan Life is an insurance company based in Houston, Texas. It provides a variety of less-common types of insurance, including dental, vision and hearing coverage, cancer coverage, and accident insurance. It also offers life insurance, annuities, and Medicare supplement policies. The company has been in business since 1850.ManhattanLife Annuities | 89 followers on LinkedIn. Standing by you to sustain wealth and financial security for life. | ManhattanLife’s consumer-friendly annuities provide tax-deferred growth ... LIFE INSURANCE. A full range of term life and whole life insurance to meet your needs and objectives, whether you’re looking for individual or family coverage. LEARN MORE. MORTGAGE PROTECTION. Mortgage protection insurance from ManhattanLife enables you to protect your family’s well-being and cover your mortgage in full. LEARN MORE. Get fast and reliable telehealth services from Manhattan Life, a trusted partner of TelaHealth Consultants. Register now and enjoy the benefits of virtual healthcare.Enter your details to begin: By registering and logging in, I acknowledge and agree to be bound by the Terms and Conditions for this web site.It’s best to apply for a Medigap plan within six months of the month you turn 65, because insurance policy options may be pricier or more limited once you’re outside that window. To enroll in a ManhattanLife supplemental plan, you must live in a state where the policy is offered and have both Medicare Part A and Part B.ManhattanLife is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Manhattan Life Group Inc. (“ManhattanLife Entities”). Plans, products, and services are solely and only provided by one or more ManhattanLife Entities specified on the plan, product, or service contract, …Manhattan Life Hot Tub. MSRP: $ 10,750.00. The Manhattan Life is an energy efficient small intimacy tub with all the luxury features your deserve. Enjoy the full sized lounger and two strategically designed hydrotherapy seats. Request a Coupon.ManhattanLife. After more than 174 years in business, ManhattanLife continues to offer a broad, dynamic selection of products and services. Detailing our company culture, individual….ManhattanLife has been a private company since our founding in 1850. Our independence has enabled us to remain free to make decisions that align with our values and core mission – helping policyholders attain and sustain health, wealth, and security throughout your life. We demonstrate this commitment by offering a wide range of products ...Welcome to the ManhattanLife Employer Portal. To get started, click the log in button below. Log In. Please contact our Login and Registration Support at [email protected] if you encounter any difficulties. Web Application from ManhattanLife.Founded in 1850, the Company’s longevity makes ManhattanLife one of the oldest and most reliable health and life insurance companies in the country. The original founders’ commitment to protect policyholders prevails to this day. Operating successfully for 174 years as an independent is a testimony to ManhattanLife’s enduring history, and ...Manhattan Life does offer a popular 3-in-1 plan that covers dental, vision, and hearing. The plan is offered through their subsidiary, Central United Life. This plan is available in most states to people between the ages of 18-85. There is a 12-month waiting period on “major” services with this plan. There is a $1000 and $1500 annual ...ManhattanLife is one of the oldest and most reliable life and health insurance companies in the country. We have assembled a full range of insurance and annuity products to support every phase of life, from mortgage insurance for your home and accident insurance for you and your family to Medicare Supplement options and annuities for your ...Dental, Vision and Hearing Claim Form. Vision Claim Form. Other Forms. Affidavit of Lost Policy Form. Bank Draft Authorization Form (In English) / (en Español) HIPAA Form (release PHI from provider) / Other HIPAA Form (release PHI to agent, family member, other 3rd party) Health Policy Cancellation Form. Premiums are subject to change. Premium rates based on $1,000 or $1,500 Policy Year Maximum. Use the age of the oldest applicant. Benefit exclusions and limitations apply. To register as a new user, please contact our Login and Registration Support at [email protected] is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Manhattan Life Group Inc. (“ManhattanLife Entities”). Plans, products, and services are solely and only provided by one or more ManhattanLife Entities specified on the plan, product, or service contract, …Manhattan Life Insurance Company has generally positive reviews from customers. Here is a summary of what customers have said about the company: Financial strength: Many customers appreciate that Manhattan Life Insurance Company has a strong financial rating and has been in business for over 150 years. Protect Your Smile and Smile Brighter! Protect Your Hearing. and Hear Better! PRODUCTS HIGHLIGHTS • Choose your dentist - In network or out of network • Family Rates (includes a maximum of 3 children) Milo Riverso, Ph.D., P.E., President of Manhattan College, today announced that Alex Cohen, philanthropist and owner of the New York Mets, will deliver the keynote …James Washington, a May 2024 graduate of Manhattan College majoring in Exercise Science and a U.S. Army veteran, has been selected as the undergraduate …AboutManhattanLife. ManhattanLife is located at 10777 Northwest Fwy in Houston, Texas 77092. ManhattanLife can be contacted via phone at (855) 517-7477 for pricing, hours and directions.ManhattanLife. 3,240 likes · 6 talking about this. ManhattanLife's insurance product and health related contentPremiums are subject to change. Premium rates based on $1,000 or $1,500 Policy Year Maximum. Use the age of the oldest applicant. Benefit exclusions and limitations apply.10777 Northwest Freeway. Houston, Texas 77092. United States. Web: www.manhattanlife.com Phone: 713-529-0045 Fax: 713-821-6492. AM Best Rating Unit: AMB #: 070357 - Manhattan Insurance Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information. LIFE INSURANCE. A full range of term life and whole life insurance to meet your needs and objectives, whether you’re looking for individual or family coverage. LEARN MORE. MORTGAGE PROTECTION. Mortgage protection insurance from ManhattanLife enables you to protect your family’s well-being and cover your mortgage in full. LEARN MORE. Dental, Vision and Hearing Claim Form. Vision Claim Form. Other Forms. Affidavit of Lost Policy Form. Bank Draft Authorization Form (In English) / (en Español) HIPAA Form (release PHI from provider) / Other HIPAA Form (release PHI to agent, family member, other 3rd party) Health Policy Cancellation Form. As a Manhattan life policy holder you have access to your own portal. Call 800-669-9030. Download mobile app. Visit Site. An expert will assist with coordinating medical care bill negotiations if you get an abnormally high medical bill. Call 866-969-3435. Visit Site.ManhattanLife | 2947 seguidores en LinkedIn. Standing By You. Since 1850. | ManhattanLife is one of the oldest insurance companies in the U.S. For over 170 years, we have stood by policyholders with diligence and compassion. Year after year and decade after decade, we have demonstrated our commitment to honoring claims and processing …Manhattan (c. 1900), detail of a map of New York City from the 10th edition of the Encyclopædia Britannica. (more) Manhattan, borough of New York City, coextensive with New York county, in southeastern New York state, U.S. The borough, mainly on Manhattan Island, spills over into the Marble Hill section on the mainland and includes a …Manhattan Life Group, Inc. PO Box 1107 Houston, TX 77251-1107. Family Life Insurance Company. 4414 Centerview Ste 220 San Antonio, TX 78228-1432. 1; 2 > Location of This BusinessUser login page. Enter your details to begin: By registering and logging in, I acknowledge and agree to be bound by the Terms and Conditions for this web site.We would like to show you a description here but the site won’t allow us.Whether you're in need of rest, or need to take care of sore muscles, or just chat with friends, don't forget to sauna. Sauna Hours 212-564-1300. When you're looking good, you're feeling good. That's why a full range of spa services are available to you, from hair and nails to various massages and skin care services.ManhattanLife. After more than 174 years in business, ManhattanLife continues to offer a broad, dynamic selection of products and services. Detailing our company culture, individual….Eastern NYC Map Western NYC Map. This page features a detailed street map of lower Manhattan and midtown Manhattan, showing major points of interest. The two aerial view videos depict midtown Manhattan and downtown Manhattan infrastructure, respectively. Manhattan Life Group, Inc. PO Box 1107 Houston, TX 77251-1107. Family Life Insurance Company. 4414 Centerview Ste 220 San Antonio, TX 78228-1432. 1; 2 > Location of This Business Enter your details to begin: By registering and logging in, I acknowledge and agree to be bound by the Terms and Conditions for this web site.Manhattan Life Medicare Supplement Plans. Manhattan Life provides many insurance solutions, but they are well known for their Medicare Supplement, dental, vision, and hearing plans. Plan F. Plan F is the most comprehensive supplement plan that covers 100% of the gaps found in Medicare. The plan your copays and deductibles paid at the doctor’s ...No, Manhattan Life isn’t the best choice for everyone, but it’s certainly a life insurance provider who is a fit for some thanks to its flexible policies, easy application, and stable financial standing/outlook. Our comprehensive review of The Manhattan Life Insurance Company below will help you decide if it’s a perfect fit for you. 10777 Northwest Freeway. Houston, Texas 77092. United States. Web: www.manhattanlife.com Phone: 713-529-0045 Fax: 713-821-6492. AM Best Rating Unit: AMB #: 070357 - Manhattan Insurance Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information. Manhattan Life Insurance Company is part of the Manhattan Life Insurance Group. The company began is 1850 and is an early pioneer in the insurance industry. They provide health and life insurance and annuity products that help policyholders achieve the life affirmations of health, wealth, and security. A Medicare Supplement insurance plan from ManhattanLife, also known as Medigap, helps pay for deductibles, co-payments, co-insurance, and other out-of-pocket costs not covered by Original Medicare. Some Medicare Supplement policies also cover services that Original Medicare doesn’t cover, like medical care when traveling outside of the U.S. ManhattanLife has been a private company since our founding in 1850. Our independence has enabled us to remain free to make decisions that align with our values and core mission – helping policyholders attain and sustain health, wealth, and security throughout your life. We demonstrate this commitment by offering a wide range of products ... ManhattanLife | 2947 seguidores en LinkedIn. Standing By You. Since 1850. | ManhattanLife is one of the oldest insurance companies in the U.S. For over 170 years, we have stood by policyholders with diligence and compassion. Year after year and decade after decade, we have demonstrated our commitment to honoring claims and processing …Enter your details to begin: By registering and logging in, I acknowledge and agree to be bound by the Terms and Conditions for this web site.The company provides Good Benefits. That is the only thing good @ ManhattanLife. health insurance on day one, 401k match, early Fridays, holiday pay, monday- friday schedule. The Health insurance is really great. Company matches up to 4% of gross income.ManhattanLife has been a private company since our founding in 1850. Our independence has enabled us to remain free to make decisions that align with our values and core mission – helping policyholders attain and sustain health, wealth, and security throughout your life. We demonstrate this commitment by offering a wide range of products ...ManhattanLife is one of the oldest and most reliable life and health insurance companies in the country. We have assembled a full range of insurance and annuity products to support every phase of life, from mortgage insurance for your home and accident insurance for you and your family to Medicare Supplement options and annuities for your ...Report a Death Claim (Online Form) Acknowledgement of Misplaced Policy. Beneficiary Claimant Statement. Beneficiary Claimant Statement - Under $5,000. Gold Cross Burial Association Claim Form. Premium Waiver Form. Other Forms. Duplicate Policy Request Form. Affidavit of Lost Policy - International Life Policies.ManhattanLife. 3,240 likes · 6 talking about this. ManhattanLife's insurance product and health related contentthe companies of manhattan life group disclaim all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. the companies of manhattan insurance group do not warrant or make any representations regarding the use or the results of the ...ManhattanLife is one of the oldest and most reliable life and health insurance companies in the country. We have assembled a full range of insurance and annuity products to support every phase of life, from mortgage insurance for your home and accident insurance for you and your family to Medicare Supplement options and annuities for your ...If you are still unable to log in, please email [email protected]. Or contact our Customer Service department: Life & Health Policyholders: 1-800-669-9030, Annuity …ManhattanLife Financial Strength Reviews and History. The Manhattan Life Insurance Company entered the industry nearly 170 years ago. The company issued one of the first ever life insurance policies to a woman, and the former headquarters in New York City was the tallest building in the world in 1894. 2 ManhattanLife has continued these efforts into …ManhattanLife offers a variety of life insurance products to help you and your family best meet your current and future objectives. Our Term Life insurance products are available for face amounts up to and including $250,000, and on a fully underwritten basis for higher coverage amounts. Our Whole Life insurance coverage is available for face ... Dental, Vision and Hearing insurance from ManhattanLife is designed to meet as many needs outside of standard medical insurance as possible. It provides coverage at the dentist as well as vision and hearing benefits for things like contact lenses, hearing aids, eye exams, and more. You choose if your annual benefit is $1,000 or $1,500 and your ... ManhattanLife is privately held with financial strength comparable to the large, publicly traded insurance companies. In fact, we write $1 million in annuities each day. As an independent closely held organization, we are untethered to the conflicts of interest that can burden our publicly-traded peers. And, because we’ve remained independent ... As a Manhattan life policy holder you have access to your own portal. Call 800-669-9030. Download mobile app. Visit Site. An expert will assist with coordinating medical care bill negotiations if you get an abnormally high medical bill. Call 866-969-3435. Visit Site.ManhattanLife is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Manhattan Life Group Inc. (“ManhattanLife Entities”). Plans, products, and services are solely and only provided by one or more ManhattanLife Entities specified on the plan, product, or service contract ...Conoce a Manhattan Life; Sobre Nosotros; Contacto; COTICE SU PÓLIZA AHORA. Transfiere el riesgo económico con una de nuestras cubiertas. Póliza de cáncer: Hasta $90,000 anuales para tratamiento en la póliza de cáncer. 787.789.1010. 787.220.7775. Cotice su Póliza.The coverage you deserve for every phase of life. ManhattanLife is one of the oldest and most reliable life and health insurance companies in the country. We have assembled a …Manhattan College today announced that Katherine G. Uffer will be the College’s Graduate School Valedictorian for the class of 2024. She will be the student …ManhattanLife Employee Benefits. 152 followers. 11mo. Having ManhattanLife Voluntary Benefits can have a significant and positive impact on the employee experience. Join us at BenefitsPRO Broker ...
MANHATTAN LIFE INS CO. Major Rating Factors: Good quality investment portfolio (6.1 on a scale of 0 to 10) despite mixed results such as: minimal exposure to mortgages and large holdings of BBB rated bonds but small junk bond holdings. Good Liquidity (6.1) with sufficient resources to handle a spike in claims as well as a significant increase .... Hes goal
Whether you're in need of rest, or need to take care of sore muscles, or just chat with friends, don't forget to sauna. Sauna Hours 212-564-1300. When you're looking good, you're feeling good. That's why a full range of spa services are available to you, from hair and nails to various massages and skin care services. ManhattanLife is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Manhattan Life Group Inc. (“ManhattanLife Entities”). Plans, products, and services are solely and only provided by one or more ManhattanLife Entities specified on the plan, product, or service contract ... The Manhattan Life Group companies are committed to providing reliable, innovative and cost effective reinsurance facilities to the life and health insurance industry as well as a wide range of life and health products to the general public through a multi-distribution system. The ManhattanLife Lighthouse Series of senior products is your one-source senior health insurance solution for filling gaps traditional health coverage may leave behind. Choose from our Medicare Supplement, Cancer and/or Heart & Stroke, Home Health Care, Final Expense, and Dental, Vision & Hearing plans. Take control of your health choices and ... ManhattanLife has been a private company since our founding in 1850. Our independence has enabled us to remain free to make decisions that align with our values and core mission – helping policyholders attain and sustain health, wealth, and security throughout your life. We demonstrate this commitment by offering a wide range of products ... Since our founding in 1850, ManhattanLife has been a trusted provider of a full range of insurance and annuity products for individuals & families, seniors, and employers.Enter your details to begin: By registering and logging in, I acknowledge and agree to be bound by the Terms and Conditions for this web site.Hospitalization coverage pays benefits directly to you. A full range of term life and whole life insurance to meet your needs and objectives, whether you’re looking for individual or family coverage. Mortgage protection insurance from ManhattanLife enables you to protect your family’s well-being and cover your mortgage in full.Jul 23, 2021 · Our DVH product offers all-in-one coverage. With our new DVH Select, you start with a base Dental plan. You have the option of adding Vision and/or Hearing to that base plan based on the coverage you value most. Beginning Day 1, Preventative Dental Services are covered 100% Major Dental is covered 20%. Other DVH Select benefits include: 1 in 4 ... For additional information about dental, vision and hearing insurance or any of our other quality products, please contact us or your ManhattanLife Agent or Broker. APercentage of Basic eye exam or eye refraction, including the cost of eye glasses or contact lenses after 6 month waiting period. BPercentage of Exam, hearing aid, and necessary ...ManhattanLife is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Manhattan Life Group Inc. (“ManhattanLife Entities”). Plans, products, and services are solely and only provided by one or more ManhattanLife Entities specified on the plan, product, or service contract, …From Individual, Family & Child Protection, to Final Expenses and Wealth Transfer. ManhattanLife offers a variety of life insurance products to help you and your family best … ManhattanLife is privately held with financial strength comparable to the large, publicly traded insurance companies. In fact, we write $1 million in annuities each day. As an independent closely held organization, we are untethered to the conflicts of interest that can burden our publicly-traded peers. And, because we’ve remained independent ... ManhattanLife Dental, Vision and Hearing (DVH) plan has three options with annual maximum benefits on the dental plan of $1,000, $1,500 and $3,000. Available States (as of 10/19/2020): The $1,000 and $1,500 dental maximum benefit plan options are available in all states that the DVH plans are offered.ManhattanLife | 3,109 followers on LinkedIn. Standing By You. Since 1850. | ManhattanLife is one of the oldest insurance companies in the U.S. For over 170 years, we have stood by policyholders with diligence and compassion. Year after year and decade after decade, we have demonstrated our commitment to honoring claims and processing … ManhattanLife is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Manhattan Life Group Inc. (“ManhattanLife Entities”). Plans, products, and services are solely and only provided by one or more ManhattanLife Entities specified on the plan, product, or service contract ... ManhattanLife Annuities | 89 followers on LinkedIn. Standing by you to sustain wealth and financial security for life. | ManhattanLife’s consumer-friendly annuities provide tax-deferred growth ...Mar 21, 2024 · Manhattan Life is a midsize Medicare Supplement Company carrier known to be competitive with its prices and stability in most states. They have a B++ rating from A.M. Best as of 2023, despite their rating, they have been able to offer some really competitive prices in the Medicare supplement market. Manhattan Life is one of the companies many ... Hospitalization coverage pays benefits directly to you. A full range of term life and whole life insurance to meet your needs and objectives, whether you’re looking for individual or family coverage. Mortgage protection insurance from ManhattanLife enables you to protect your family’s well-being and cover your mortgage in full. .