How we are paid

The short version

When you buy a policy through ProtectCasa, the insurance company pays our agency a commission. You pay the insurance company's price. We do not add a fee, and we are not paid anything if you decide not to buy.

Who does not pay us

• Your lender and your loan servicer. We have no deal with either.
• You. There is no charge for the call, the comparison or help with the application.
• Advertisers. No insurer pays to be named, ranked or left out of a guide.

Where the conflict is

A commission is usually a share of the premium, so a bigger or longer policy usually pays us more. Commission rates also differ from one insurer to the next and from one product to the next. That gives any agent a reason to sell more coverage than you need, or one insurer over another.

How we handle it

• We size coverage to the loan and the household, and we show the math. The Payoff Plan on our home page draws it year by year.
• We tell you when a cheaper design does the job, including when coverage you already have is enough.
• We explain who gets the check on every product, because some products sold as mortgage protection pay the lender, not your family.
• Our guides are written to the same standard whether or not we can sell the product they describe.

Questions about pay

Ask the agent on the call how they are paid on any policy they suggest. You can also call (305) 699-5857 any time.