Mortgage protection is life insurance built around your home loan. If something happens to you, your family isn't choosing between grief and a mortgage payment — the house gets paid for.
Free and no obligation. Text QUOTE to (309) 239-1353 — no forms, no phone tag.
By texting QUOTE to (309) 239-1353 you agree to receive SMS from The Carmi Agency about your request, plus marketing messages about mortgage protection. You will get one reply asking you to text YES to confirm; nothing else is sent until you do. Msg frequency varies. Msg & data rates may apply. Reply HELP for help, STOP to cancel. See our Privacy Policy & SMS Terms.
Independent agency — we compare offers across our carrier network instead of selling one company's product.
Independent means we work for you, not one insurance company. Different carriers are better for different people — a diabetic, a smoker, a 60-year-old, a young family — and knowing which is which is the whole job.
Coverage sized to your loan, so the house gets paid off and your family stays put.
Straightforward protection for the years your family depends on your income most.
Smaller whole-life coverage so funeral costs never land on the people you love.
Many plans let you access your benefit early if you're diagnosed with a serious illness.
Everything happens over the phone, on your schedule.
Two minutes: your mortgage balance, your age, and a few health questions.
We shop your situation across our carriers and build the options that actually fit — including ones for a tighter budget.
About 15 minutes. We walk through your options together, you ask questions, and you decide. No obligation.
If you move forward, we work with underwriting to get you approved — and stay with you after the policy is in force.
The Carmi Agency is an independent life insurance agency founded by Jackie Carmichael — a licensed Illinois insurance producer.
We specialize in mortgage protection for Illinois homeowners: families who just bought or refinanced and want to know the house is safe if the worst happens.
We're brokers, not captive agents. We're not trying to fit you into one company's product — we're looking across the market for the plan that makes sense for your health, your loan, and what you can comfortably afford. And if the honest answer is that you don't need what we sell, we'll tell you that too.
Most people guess low by two or three times. Our calculator adds up the mortgage payoff, the income your family would lose, and what it takes to keep them steady — in about thirty seconds, with no personal information required.
Calculate My CoverageHowever you reach out, a licensed agent — not a call center — gets back to you.
Send the word QUOTE to (309) 239-1353. Reply YES to confirm, then answer a couple of quick questions by text, on your own time, and we'll take it from there.
Text QUOTE NowBy texting QUOTE to (309) 239-1353 you agree to receive SMS from The Carmi Agency about your request, plus marketing messages about mortgage protection. You will get one reply asking you to text YES to confirm; nothing else is sent until you do. Msg frequency varies. Msg & data rates may apply. Reply HELP for help, STOP to cancel. See our Privacy Policy & SMS Terms.
Prefer to type it out? The request form takes about two minutes and gets you the same personal follow-up.
Request InformationEvery licensed insurance producer in the country is listed in a public database. Here are our credentials — and the link to verify them yourself in about three seconds.
It costs nothing to look, and most people are surprised how affordable protecting their mortgage actually is.
By texting QUOTE to (309) 239-1353 you agree to receive SMS from The Carmi Agency about your request, plus marketing messages about mortgage protection. You will get one reply asking you to text YES to confirm; nothing else is sent until you do. Msg frequency varies. Msg & data rates may apply. Reply HELP for help, STOP to cancel. See our Privacy Policy & SMS Terms.