Disclosures
The following disclosures apply to information provided on this site and to insurance options reviewed through Mallard Mortgage Protection.
Mallard Is Not a Lender or Government Agency
Mallard Mortgage Protection is not a lender, mortgage servicer, bank, government agency, or government program. Mallard helps people review mortgage protection and life insurance options.
Insurance Products
Life insurance and mortgage protection products are issued by licensed insurance carriers, not by Mallard directly unless otherwise stated. Product terms, features, and availability are set by the issuing carrier.
Approval Not Guaranteed
Approval is not guaranteed. Eligibility, premiums, coverage amounts, policy terms, riders, and product availability depend on carrier underwriting, state availability, age, health, application answers, and other factors.
No-Medical-Exam Disclosure
No-medical-exam options may be available for some applicants. Even when no exam is required, carriers may still review prescription history, medical records, consumer reports, databases, application answers, and other underwriting information.
Same-Day Approval Disclosure
Same-day approval may be available for some applicants and some carriers, but same-day approval is not guaranteed and depends on the carrier, product, and underwriting review.
Mortgage Protection Disclosure
Mortgage protection is usually a life insurance option positioned around helping beneficiaries protect or pay for the home if the insured person passes away. Mortgage protection is not the same as PMI.
PMI Disclosure
PMI (private mortgage insurance) protects the lender if the borrower stops making mortgage payments. Mortgage protection, by contrast, is intended to help the insured person's beneficiaries.
Tax Language
Life insurance death benefits are generally income-tax-free to beneficiaries, but individual tax situations can vary. Mallard does not provide tax advice. Consult a qualified tax professional for guidance specific to your situation.
Cash Value and IUL Disclosure
Cash value growth, policy loans, fees, caps, participation rates, surrender charges, and policy performance depend on the specific policy and carrier. Information about indexed universal life (IUL) and cash value on this site is for general educational purposes and is not investment, tax, or legal advice.
Third-Party Application and Partner Disclosure
Any third-party application links, partner websites, or carrier websites are governed by their own terms, privacy policies, underwriting rules, and disclosures. Mallard is not responsible for the content or practices of third-party sites.
Licensed-Agent Follow-Up
A licensed agent may follow up after a quote request or help inquiry to help you review the options that may be available to you.