Mortgage protection for homeowners
Protect your home, not just the mortgage.
Your own life insurance, sized to your mortgage. If something happens, your family gets paid, not the lender, and your coverage doesn't shrink as you pay it down.
Licensed advisors in British Columbia, Alberta and Ontario.
Your coverage over 25 years
Lender mortgage insurance follows your balance down. Your own policy doesn't.
The problem
Most mortgage insurance protects the lender first.
The insurance offered with your mortgage is easy to say yes to. Here's what's in the fine print.
The lender gets paid
The benefit pays off what's left on the mortgage. Your family doesn't decide how the money is used.
Coverage shrinks, the price often doesn't
As you pay down the mortgage, the benefit goes down with it, while your premium often stays the same.
It ends with the mortgage
Pay off the mortgage, reach the original amortization date or the age limit, and the coverage is gone.
Coverage can be cut back
If something comes up in your health answers, or a follow-up interview isn't completed, coverage can be reduced to accidents only.
How it compares
See what your family would actually receive.
Enter your mortgage and move the slider. Your own policy pays the full amount the whole way through.
If something happened in year 10
Theirs to use however they need.
Only what's left on the mortgage.
How it works
Sorted before you get the keys.
Start while your mortgage is being arranged, so underwriting is done and you're covered from day one.
Get your quote
Through your mortgage broker, or by talking to us directly. Your personal quote arrives by email.
A short call
A licensed advisor walks you through it and compares Canada's top insurers for you.
Apply once
We handle the application and underwriting with the insurer, so you know exactly what you're getting.
Covered from closing day
If you're approved before your mortgage closes, your policy starts that same day.
Then we check in every year. Life changes. Each year we review your coverage with you, so it keeps up with your family and your home.
Beyond life insurance
Protection for more than the mortgage.
Life insurance covers your mortgage if you pass away. But a serious illness or an injury that keeps you from working can happen too, and the payments don't stop.
Critical illness
A tax-free lump sum if you're diagnosed with a covered illness like cancer, heart attack or stroke.
Disability
Monthly income if an illness or injury keeps you from working.
Life insurance
Level coverage for the full term, paid to the people you choose.
For mortgage brokers
Give every client real protection. Without the extra work.
Ask one question while you onboard the mortgage. Haven handles the quote, the advice and the underwriting.
- One question, one short formYour client gets a personal digital quote. You never have to discuss the insurance yourself.
- Covered from closing dayUnderwriting starts while you arrange the mortgage, so your client's coverage can begin the day it closes.
- A partner your clients can trustIndependent, licensed advisors who compare Canada's top insurers and recommend what fits.
- Your own partner portalSubmit a client in about a minute. Progress tracking is on the way.
Powered by Stone Owl
Haven is built by Stone Owl, a Vancouver family office that has spent years helping families and business owners protect what they've built.
We built Haven because the default option at the mortgage table rarely puts the family first. We think every homeowner should hear their options from a licensed advisor before they sign up for anything.
Our advisors are independent. We compare Canada's top life insurers and recommend what fits you, not what's easiest to sell.
FAQ
Questions people ask
Is this the same as the insurance my lender offers?
No. Lender mortgage insurance is a group policy tied to your mortgage: it pays the lender what's left on the balance, and it ends when the mortgage does. With Haven, you own an individual life insurance policy. It pays the people you choose, and the coverage stays level for the full term.
Do I need to go through my mortgage broker?
No. Many clients come to us through their broker, but you can also talk to us directly.
What does it cost?
It depends on your age, your health, whether you smoke, and how much coverage you need. Your advisor shows you the best options from Canada's top insurers before you decide anything.
Why start before I close?
Underwriting can take a few weeks. Starting early means you can be approved before your mortgage closes, so your coverage starts on day one with no gap. It also locks in your price before your insurance age changes.
I already have mortgage insurance. Should I switch?
Talk to an advisor before changing anything. If a new policy makes sense, keep your existing coverage until the new one is approved and in force, so you're never left uncovered.
Which provinces do you serve?
British Columbia, Alberta and Ontario, with more provinces to come.
Talk to a licensed advisor.
Fifteen minutes, at a time that suits you. We'll compare your options and answer your questions.