MORTGAGE PROTECTION • LIFE INSURANCE AGENT
MORTGAGE PROTECTION • LIFE INSURANCE AGENT
Protect your family. Protect your home.
Protect your family.Protect your home.
Nick Folkers
Already have life insurance? Let's see how your current coverage compares to your mortgage — and whether additional protection makes sense.
Get Your Mortgage Protection Quote ▸You're almost there — answer a few quick questions below. Takes about 10 seconds.
Get Your Mortgage Protection Quote ▸You're almost there — answer a few quick questions below. Takes about 10 seconds.
Your information is kept private and used to respond to your insurance inquiry.
Mortgage ProtectionCoverage designed to help protect your home and family if the unexpected happens.
How It Works1. Tell me what you're looking for
Share a few details about your coverage needs.2. Compare your options
I'll compare options from multiple insurance carriers.3. Choose what works for you
Review your options and choose coverage that fits your needs and budget.
Why Work With Me?◆ Multiple Carrier Options
Compare coverage and pricing from several insurance companies — not just one.◆ Personal Guidance
Work directly with me from quote through application.◆ Licensed in 6 States
Licensed to help individuals and families across:
AR, IN, KS, MO, OK & WI.
Nicholas Folkers
Licensed Independent Insurance Agent
NPN: 22272057☎ 913-948-2421 • ✉ [email protected]Privacy Policy • Contact
Nicholas Folkers
Licensed Independent Insurance Agent
NPN: 22272057☎ 913-948-2421 • ✉ Email MePrivacy Policy • Contact
Get Your Mortgage Protection Quote ▸You're almost there — answer a few quick questions below. Takes about 10 seconds.
Get Your Mortgage Protection Quote ▸You're almost there — answer a few quick questions below. Takes about 10 seconds.
Your information is kept private and used to respond to your insurance inquiry.
Nicholas Folkers
Licensed Independent Insurance Agent
NPN: 22272057☎ 913-948-2421 • ✉ [email protected]Privacy Policy • Contact
Nicholas Folkers
Licensed Independent Insurance Agent
NPN: 22272057☎ 913-948-2421 • ✉ Email MePrivacy Policy • Contact
MORTGAGE PROTECTION • LIFE INSURANCE AGENT
MORTGAGE PROTECTION • LIFE INSURANCE AGENT
Have a question? Let’s talk.Whether you’re comparing coverage, have questions about mortgage protection, or just want to understand your options, feel free to reach out.Call or Text Me →
(913) 948-2421Email Me →
[email protected]
Nicholas Folkers
Licensed Independent Insurance Agent
NPN: 22272057☎ 913-948-2421 • ✉ [email protected]Privacy Policy
Nicholas Folkers
Licensed Independent Insurance Agent
NPN: 22272057☎ 913-948-2421 • ✉ Email MePrivacy Policy
Frequently Asked Questions ▾
◆What happens to my mortgage if I pass away?
Your mortgage doesn’t automatically disappear. Mortgage protection coverage can provide your beneficiary with funds that can help pay the mortgage, cover monthly payments, or handle other financial needs.
◆ I already have life insurance. Do I still need mortgage protection?
Maybe, maybe not. Existing life insurance may already provide enough protection. I can help you compare your current coverage with your mortgage and other financial obligations so you can decide whether additional coverage makes sense.
◆ What if my family couldn't afford the mortgage without my income?
That’s one of the main reasons homeowners look into mortgage protection. Coverage can provide money to your beneficiary that can help keep mortgage payments current and give your family more financial flexibility during a difficult time.
◆ Is mortgage protection expensive?
It depends on your age, health, coverage amount, and policy type . Because I work with multiple insurance carriers, I can compare available options instead of showing you only one company.
◆ Can I qualify if I have health conditions or take medications?
Possibly. Different carriers have different underwriting guidelines. I can compare carriers to see what you may qualify for.
◆ Does the insurance company pay my mortgage lender directly?
With the individual life-insurance-based mortgage protection policies I offer, the death benefit is generally paid to your chosen beneficiary—not automatically to the mortgage company. Your beneficiary can use those funds according to their needs, including toward the mortgage.
◆ What if I sell my home, refinance, or pay my mortgage off early?
Coverage can remain in place even if your mortgage changes or is paid off.
◆ What's the difference between an independant agent and a captive agent?
A captive agent typically represents one insurance company and offers products from that carrier. As an independent broker, I can compare options from multiple insurance carriers to help find coverage that fits your needs, health, and budget. This gives you more options without having to shop around with several different agents yourself.
◆ Am I committing to anything by requesting information?
No. Requesting information gives you a chance to review available coverage and pricing. You can decide whether any of the options make sense for you.
◆ Will I work directly with you?
Yes! You'll work one-on-one with me throughout the entire process. Whether you prefer a phone call or video call. I'll personally walk you through your options, answer your questions, and help you every step of the way.
Nicholas Folkers
Licensed Independent Insurance Agent
NPN: 22272057☎ 913-948-2421 • ✉ [email protected]Privacy Policy • Contact
Nicholas Folkers
Licensed Independent Insurance Agent
NPN: 22272057☎ 913-948-2421 • ✉ Email MePrivacy Policy • Contact