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Choosing a Company

Mortgage insurance policies can be purchased from thousands of different Mortgage Insurance Companies. In some cases, the lender that issued your mortgage may offer to place you with one of the Mortgage Insurance Companies they represent. The only problem with purchasing directly through your lender is that they only use one or two Mortgage Insurance Companies.

To ensure you get the best price available, it's always best to compare as many Mortgage Insurance Companies as possible. This is exactly what we do. We shop over 2,000 of the nation's highest-rated (A or better by AMBest.com) Mortgage Insurance Companies, so you can protect your home and family for less. Mortgage Insurance Companies like Fidelity, Genworth, ING, Lincoln, MetLife, Prudential, RBC, and TransAmerica all have personalized underwriting niches that are perfect for consumers who want to protect their home and family in the event of their unexpected death.

Rating services for Mortgage Insurance Companies like A.M. Best can give you the financial strength ratings for all of the Mortgage Insurance Companies in the nation. This is the best way to ensure you're investing your money in a financially secure Mortgage Insurance Company. All of the above information should help you in choosing one of over 2,000 Mortgage Insurance Companies.

Word of Mouth

When you're in the process of evaluating Mortgage Insurance Companies, word of mouth can be a helpful starting point. Talking to your friends, neighbors, and business associates will give you an idea of which Mortgage Insurance Companies to use and which Mortgage Insurance Companies to avoid. The experience of the people you know, trust, and/or do business with on a daily basis will give you some indication of the prices, the ease of underwriting, and the claims process of certain Mortgage Insurance Companies.

However, this type of information is subjective, as it only takes one bad customer service experience to turn a friend away from certain Mortgage Insurance Companies. It's important to combine other research methods into your search for quality Mortgage Insurance Companies. When you use TermAdvantage, you have the peace of mind in knowing that we shop over 2,000 of the nation's highest-rated (A or better by AMBest.com) Mortgage Insurance Companies to find the company that fits your needs and budget the best.

A.M. Best

A.M. Best assigns a letter rating to all Mortgage Insurance Companies to help consumers find the highest-rated Mortgage Insurance Companies in the entire country. A.M. Best’s rigorous evaluation process is based on criteria that will hold Mortgage Insurance Companies accountable for the way they manage their business. The letter rating assigned to all Mortgage Insurance Companies is a representation of each company’s financial strength, debt to credit ratio, and bank deposits. Each of these fields gives a picture of the financial stability of all of the Mortgage Insurance Companies and speaks to the ability of the Mortgage Insurance Companies to pay their death claims.

TermAdvantage only deals with Mortgage Insurance Companies who have a rating of A (excellent) or higher, which is one of A.M. Best’s highest rating assessments. With A rated or higher Mortgage Insurance Companies, you can be confident that your policy is with a Mortgage Insurance Company that will have the financial backing to pay their death claims as they're presented. You should also be confident that your family will always be protected with any of our A rated or higher Mortgage Insurance Companies. We advise and recommend potential clients to visit AMBest.com to verify and learn more about the A or higher ratings of all of our Mortgage Insurance Companies.

The Top Rating Companies

There are many rating companies that evaluate Mortgage Insurance Companies and assign them a grade based on their financial stability. Four of the power-players in the financial rating business are listed below.

• A.M. Best: Since 1899, A.M. Best has been rating Mortgage Insurance Companies and other financial institutions worldwide. A.M. Best rates the financial stability of all of the nation's Mortgage Insurance Companies as well as any subsidiaries they may have.
• Fitch: Fitch has been rating Mortgage Insurance Companies and other financial institutions worldwide since 1913. Fitch rates the financial stability of all of the nation's Mortgage Insurance Companies as well as any subsidiaries they may have.
• Moody's: Since 1900, Moody's has been rating Mortgage Insurance Companies and other financial institutions worldwide. Moody's rates the financial stability of all of the nation's Mortgage Insurance Companies as well as any subsidiaries they may have.
• Standard & Poor’s: Standard & Poor’s began rating Mortgage Insurance Companies and other financial institutions worldwide in 1860. S&P rates the financial stability of all of the nation's Mortgage Insurance Companies as well as any subsidiaries they may have.

All rating companies use local finance experts as well as global representatives to develop ratings that consider both the local and global economy. In addition to these rating companies, many consumer reports magazines and Web sites evaluate Mortgage Insurance Companies. No matter which Mortgage Insurance Company you choose, there will always be a financial strength rating and most-likely a consumer report available to educate and give you confidence in your decision-making process.

The TermAdvantage Process

The TermAdvantage team is dedicated to presenting our clients with quotes from the nation's highest-rated, most financially secure Mortgage Insurance Companies. We shop over 2,000 Mortgage Insurance Companies to find our clients the best-priced and most accurate quotes available. We use A.M. Best Company to ensure that our clients end up with the most affordable policy from one of the country's top-rated Mortgage Insurance Companies.

A.M. Best rates all of the financial institutions operating worldwide, and they have a very stringent criteria for the A rated or higher Mortgage Insurance Companies. By using A.M. Best, we find our clients quotes from several A rated or higher Mortgage Insurance Companies, so our clients know that they're getting the most affordable policy from a Mortgage Insurance Company that they can trust to be there when their family needs it most. We’ve laid out all of the groundwork to create a fast, easy, and thorough process to find our clients the best-priced and highest-rated Mortgage Insurance Companies in America.