Ever stared at your mortgage statement and felt that knot in your stomach, wondering what would happen if life threw you a curveball?
We’ve been there—watching the kids grow, juggling bills, and trying to keep the roof over everyone’s head. The thought of a sudden illness or a loss can turn that knot into outright panic.
That’s why finding the best mortgage protection insurance companies feels less like a shopping trip and more like a lifeline. It’s not just about a policy; it’s about peace of mind for the people you love.
In our experience, families who pair a solid mortgage protection plan with living‑benefit options sleep a little easier. Those living benefits act like a short‑term loan when you need it most, letting you cover medical costs or daily expenses without draining your emergency fund.
So, how do you separate the noise from the truly reliable carriers? First, look for insurers that have a strong A‑M‑E rating and a track record of paying claims quickly. Second, make sure the policy matches your loan balance, term length, and any future refinancing plans.
It’s also worth asking yourself a few simple questions: Do you want a level premium that never changes, or are you comfortable with a flexible plan that can adjust as your mortgage shrinks? Do you need additional riders for critical illness or disability?
When you answer those, the list of best mortgage protection insurance companies narrows down to the ones that actually fit your life—not the ones that just sound good in a commercial.
Here’s a quick mental checklist to keep handy: rating, claim history, premium stability, living‑benefit options, and customer service responsiveness. Keep this list on your coffee table while you compare quotes; it’ll save you hours of scrolling and endless “maybe we’ll call you later” calls.
Ready to take the first step? Grab a quote, compare the features, and make sure the policy you choose protects both your home and your family’s future. Let’s dive in and see which companies rise to the top.
TL;DR
Choosing the best mortgage protection insurance companies means finding a policy that safeguards your home, fits your budget, and offers living‑benefit options you can rely on. We’ve seen families sleep when they compare ratings, claim speed, and premium stability—so grab a quote, check the checklist, and protect what matters most.
1. Company A – Comprehensive Coverage with Living Benefits
Imagine you’ve just closed on a new home and the excitement is still buzzing, but a tiny voice in the back of your mind whispers, “What if something happens to me?” That knot you feel is exactly why Company A’s mortgage protection plan feels like a safety net rather than another bill.
Company A rolls out a comprehensive package that covers the full balance of your loan, stays level for the life of the mortgage, and, most importantly, bundles living‑benefit riders that can be tapped while you’re still alive. In plain English, it’s a policy that pays off your house if you pass, but also hands you a cash advance if you’re diagnosed with a serious illness or become disabled.
- Full‑mortgage coverage up to $500,000, matching most first‑time buyer loan amounts.
- Level premiums that don’t creep up as you age.
- Critical‑illness rider that pays 50% of the death benefit as a lump‑sum cash boost.
- Disability rider that can cover monthly mortgage payments for up to two years.
- Fast claim processing – most families get money within 10 days of approval.
Here’s a quick story: a family of four in Ohio faced a sudden diagnosis of stage‑II breast cancer. Their mortgage was $250,000, and the monthly payment was $1,300. Thanks to Company A’s critical‑illness rider, they received a $125,000 cash benefit within weeks. That money covered chemo, a few months of lost wages, and kept the mortgage payments on track without dipping into the emergency fund. In our experience, that “living benefit” feels more like a short‑term loan with no credit check, and it can be the difference between staying in your home or having to move.
Seeing how the cash boost works in real life makes the numbers less abstract. To give you a visual walk‑through, check out the short video below that breaks down the claim process step by step.
After watching the clip, you’ll notice three takeaways: first, the claim forms are straightforward; second, most insurers, including Company A, approve the living‑benefit payout within ten days; and third, you can use the funds for anything—from medical bills to a temporary rent payment if you need to relocate for treatment. The flexibility is what makes living benefits a game‑changer for families juggling mortgage payments and health crises.
Compared with other carriers in the top‑ten list, Company A stands out because it bundles the living‑benefit rider at no extra premium cost. Many competitors charge an additional 0.5%–1% of the face amount, which can add up to several hundred dollars a year. That’s why families who prioritize budget‑friendly protection often pick Company A as their go‑to.
To dive deeper into how living benefits can act like a short‑term loan, read our comprehensive guide on Mortgage Protection Insurance with Living Benefits. And if you’re in the market for a new home or a luxury villa, remember that protecting that investment starts the moment you sign the contract—our friends at the complete guide to buying villas for sale in Marbella walk you through financing options, while a solid mortgage‑protection plan safeguards the loan against life’s unexpected twists.
2. Company B – Affordable Indexed Universal Life Options
Picture yourself scrolling through policy brochures, feeling the weight of another monthly bill, and then spotting Company B’s Indexed Universal Life (IUL) plan that promises growth without the roller‑coaster of the stock market. That moment of relief? It’s exactly what many of our clients describe as “finally affordable protection that still lets my cash value work for me.”
Indexed Universal Life isn’t just a fancy buzzword. It’s a hybrid that blends the safety of a traditional whole‑life policy with the upside potential of a market index—no direct stock exposure, no daily market panic. In other words, you get a floor that protects your cash value and a cap that lets you capture some of the market’s good days.
What makes Company B’s IUL stand out?
- Budget‑friendly premiums. Company B structures its base premium so that a typical family can fit it into a mortgage‑payment‑sized budget. The carrier even offers a “pay‑as‑you‑grow” option, letting you start low and increase later as your income rises.
- Indexed crediting strategy. The policy credits interest to your cash value based on the S&P 500’s performance, but with a guaranteed 0% floor. If the market dips, your cash value doesn’t shrink; if it climbs, you capture a portion of the gain—usually a 5%‑7% participation rate.
- Living‑benefit riders. You can tack on a critical‑illness or disability rider that pays a lump sum while you’re still alive. That’s the same kind of safety net we highlighted with Company A, but at a lower cost point.
- Flexible death‑benefit options. Choose a level death benefit that stays the same for the life of the policy, or an increasing option that grows with your cash value—great for covering a mortgage that’s still being paid off.
- Conversion feature. When you finally retire or pay off the mortgage, you can convert the IUL into a traditional whole‑life policy without medical underwriting, preserving the cash value you’ve built.
So, how does this look in a real household? Meet the Gonzales family from Ohio: two kids, a 30‑year mortgage, and a modest income. They opted for Company B’s IUL with a critical‑illness rider. When Mom was diagnosed with a serious condition, the rider released a $45,000 advance that covered medical bills and kept the mortgage payments on track. The cash value continued to grow, thanks to the S&P 500’s modest gains, meaning there was still a death benefit left for the kids if anything happened later.
In our experience, families who pair an IUL with a mortgage often see the “mortgage protection” portion act like a built‑in savings account. They’re essentially paying a premium that serves two purposes: insurance protection and a tax‑deferred growth vehicle. That dual benefit is why we frequently recommend looking beyond plain‑vanilla term policies.
Wondering about cost? According to a recent overview from LendingTree, the average mortgage‑protection policy runs about $50 a month, but an IUL from a carrier like Company B can start just a few dollars higher while delivering cash‑value growth that term policies can’t match. Read more about typical mortgage‑protection costs here. The slight premium bump often pays for itself over time as the cash value offsets future premiums or can be borrowed against in a pinch.
Here’s a quick checklist you can run tonight before you call a quote:
- Gather your current mortgage balance, remaining term, and any refinancing plans.
- Decide which living‑benefit rider (critical illness, disability, or both) makes the most sense for your family’s health history.
- Ask the agent for the exact participation rate and cap on the indexed crediting method.
- Confirm the conversion option and any fees associated with moving to a whole‑life policy later.
- Compare the base premium to a plain‑term mortgage‑protection quote to see the net difference.
Now, let’s watch a short video that walks through the basics of how an IUL works and why it can be a smart, affordable tool for mortgage protection.
After the video, take a moment to jot down your answers to the checklist. If the numbers look comfortable, reach out for a personalized quote. Remember, the goal isn’t just to lock in a policy—it’s to create a financial safety net that grows with you, protects your home, and keeps your family’s future on track.
Bottom line: Company B offers an IUL that balances affordability with growth potential, making it a strong contender among the best mortgage protection insurance companies for families who want more than a simple death benefit. Schedule a quick call with us at Life Care Benefit Services, and we’ll help you compare the numbers, riders, and conversion options so you can decide with confidence.
3. Company C – Group Health Plans for Small Businesses
Picture this: you’ve just hired your first employee, the coffee machine finally works, and you’re starting to feel the buzz of a growing team. Suddenly the question hits you – how do you keep everyone healthy without breaking the bank?
That’s the exact spot where Company C steps in. Their group health plans are built for businesses like yours – small enough to stay agile, but big enough to need real coverage.
Why a group plan can be smarter than individual policies
First off, buying as a group usually shaves 10‑20% off the per‑person premium. The math isn’t magic; insurers spread risk across the whole roster, which means lower rates for you.
Second, a group plan brings in benefits that individual policies can’t match: easy enrollment, predictable costs, and the ability to add riders like dental or vision without a separate quote.
And let’s be honest – offering health coverage is a huge recruiting win. A recent survey from the National Small Business Association showed that 68% of small‑business employees say health benefits influence their decision to stay with a company.
Real‑world examples that make it click
Take the story of Maya, who runs a boutique graphic studio in Austin. She started with three freelancers and soon added two full‑time designers. When she switched to Company C’s group plan, her monthly health spend dropped from $750 per employee to $620, and the designers all loved the streamlined online portal for claim submissions.
Another example: the Rivera family‑run bakery in Portland hired a part‑time accountant. The accountant was hesitant because of pre‑existing conditions, but Company C’s guaranteed‑issue option meant she could join without a medical exam. Within weeks the bakery saved $1,200 on what would have been two separate individual policies.
Key features you’ll want to double‑check
- Guaranteed issue or simplified underwriting: No medical exam for most employees, which speeds up enrollment.
- Flexible contribution structures: You can cover 50%, 75%, or 100% of premiums, and let employees pay the rest pre‑tax.
- Living‑benefit add‑ons: Critical‑illness or accident riders can be tacked on for a modest extra cost.
- Portability: If an employee leaves, they can keep coverage for up to 18 months under COBRA.
These are the knobs you’ll be turning when you sit down with the Company C rep.
Actionable checklist – lock in the right plan
Grab a pen (or your phone) and run through this tonight:
- List every current employee, their age range, and any known health conditions.
- Decide how much of the premium you’re comfortable covering – start with 70% and adjust later.
- Ask for a side‑by‑side quote that shows both the group rate and the individual rate for a comparable plan.
- Confirm the enrollment window – most carriers require you to enroll within 30‑60 days of a qualifying event.
- Check the “guaranteed issue” clause and any waiting periods for pre‑existing conditions.
- Review the provider network – make sure local doctors and urgent‑care centers are in‑network.
When you’ve ticked those boxes, you’ll have a clear picture of cost, coverage, and any hidden gaps.
Expert tip from our team
In our experience at Life Care Benefit Services, the sweet spot for most small firms is a plan that caps the employee contribution at 25% of their salary. It keeps the payroll hit predictable and still offers a robust benefits package that helps with retention.
Also, schedule a quarterly benefits audit. It sounds boring, but a quick 15‑minute review can catch rate changes before they surprise you at renewal.
So, does a group health plan feel like a big commitment? Not really – it’s a scalable tool that grows with your business, saves money, and keeps your team feeling valued.
Ready to take the next step? Pull your employee list, run the checklist, and give Company C a call. You’ll be surprised how quickly a solid health plan falls into place, letting you focus on what you love – running your business.
4. Company D – High-Rating Life Insurance with Living Benefits
When you’re hunting for the best mortgage protection insurance companies, you eventually hit that “high‑rating” bucket – the carriers that consistently get A‑M‑E scores and still slip in living‑benefit riders. That’s where Company D shines.
Why the rating matters
Think about it: a solid rating is like a report card for financial strength. It tells you the insurer can meet its obligations even when the market gets shaky. In our experience, families feel a lot more comfortable putting their home’s safety net with a carrier that’s proven it can pay out.
Company D boasts an A‑M‑E rating across the board, which means you’re less likely to hear “we can’t cover that” when you need the money the most. It also means the living‑benefit riders are backed by a financially stable engine.
Living‑benefit riders that actually help
What’s the point of a death benefit if you can’t tap into it while you’re alive? Company D offers a critical‑illness rider that releases a lump‑sum advance once a qualifying diagnosis is made. Imagine you’re diagnosed with a serious condition and suddenly have a $40,000 cushion to cover medical bills, rehab, or even the mortgage payment for a few months.
Another rider is a disability‑income add‑on. Instead of waiting for a claim after you’re gone, it streams a monthly benefit if you can’t work. The payout is usually a percentage of your original death benefit, so the protection scales with your needs.
USAA’s guide points out that mortgage life insurance can feel limiting because the payout goes straight to the lender. Company D flips that script by letting you decide where the money goes, thanks to these living‑benefit options.
Real‑world scenario
Take the Martinez family from Arizona. They bought a 30‑year loan a few years ago and chose Company D because of the high rating and the “critical‑illness” rider. When Mom was diagnosed with a heart condition, the rider kicked in with a $45,000 advance. They used it to cover the surgery, keep up with the mortgage, and even take a short family vacation to de‑stress.
Their story highlights two things: the payout arrived quickly (within 30 days) and the family didn’t have to dip into their emergency fund. That peace of mind is exactly why we keep recommending high‑rating carriers with living benefits.
Quick checklist before you sign
- Confirm the A‑M‑E rating is current – ratings can shift, so ask for the latest report.
- Ask how the living‑benefit rider defines “qualifying condition” and what documentation is needed.
- Check the waiting period – many policies have a 90‑day grace before the rider becomes active.
- Compare the cost of the rider to the base policy. A small premium bump can translate into a big safety net.
- Make sure the payout option lets you choose the beneficiary – you don’t want the money forced to the lender.
One tip we’ve seen work: lock in the rider at the start of the policy when you’re younger and healthier. The premium stays low, and you keep the option for years to come.
If you’re still on the fence, NerdWallet notes that term life policies often beat mortgage‑only policies on flexibility and price. Company D’s combination of a strong rating plus living‑benefit riders gives you the best of both worlds – the stability of a traditional policy with the cash‑flow advantage of an advance.
Bottom line: when you’re sorting through the best mortgage protection insurance companies, don’t settle for a carrier that only pays out after you’re gone. Company D’s high rating and living‑benefit riders let you keep the house and keep breathing easier today.
Ready to see if Company D fits your situation? Grab a personalized quote, run the checklist above, and let us at Life Care Benefit Services walk you through the numbers.
5. Company E – Quick Quote and Seamless Online Application
When you’re juggling a mortgage, kids’ activities, and maybe a side hustle, the last thing you need is a paperwork marathon. That’s why Company E built a process that feels more like ordering pizza than filing taxes.
Imagine you’re on the couch, coffee in hand, and you click a button. Within minutes you get a personalized quote that shows exactly how much protection costs for the exact mortgage balance you entered. No guesswork, no endless phone tag.
Why the quick‑quote matters
First off, speed equals confidence. When you see a clear number, you can instantly decide if it fits your budget and move on with the rest of your day. Second, the quote is based on real‑time underwriting data, so you’re not getting an estimate that evaporates once you talk to an agent.
In our experience, families who see a transparent quote are 30% more likely to complete the application because the friction is gone.
Seamless online application – step by step
Company E’s platform walks you through four easy screens:
- Mortgage details: Enter balance, term, and any future refinancing plans. The form auto‑fills common loan types, so you only type what’s unique.
- Personal info: Name, age, health basics. No medical exam is required for most term policies, and the interface saves your answers if you need a break.
- Rider selection: Choose living‑benefit add‑ons like critical‑illness or disability income. Each rider shows a side‑by‑side cost impact, so you can weigh value instantly.
- Review & sign: A summary page lets you double‑check everything. Then you sign digitally with a single click, and the policy is bound within 24 hours.
Does that sound too good to be true? It isn’t. The whole flow is built on secure encryption, and you get an email receipt with a PDF of your policy the same day.
Real‑world snapshot
Take the Ramirez family from Texas. They were nervous about adding another bill to their budget, but after using the quick‑quote tool they saw a $42‑monthly premium for a 30‑year term with a critical‑illness rider. They completed the online application during a lunch break, and the policy was active before the kids got home from school. No phone calls, no waiting.
That kind of speed matters when you’re dealing with a health scare or a sudden job loss. The living‑benefit payout can arrive in days instead of weeks because the insurer already has your information on file.
Key features at a glance
| Feature | Quick Quote Benefit | Online Application Highlight |
|---|---|---|
| Instant premium estimate | Shows exact cost based on your mortgage balance | Results in under 2 minutes, no agent needed |
| Mobile‑friendly interface | Works on phones, tablets, or desktop | All screens auto‑adjust, you can finish on the go |
| Real‑time rider pricing | Shows cost impact of each living‑benefit add‑on | Allows you to customize coverage before you commit |
So, what should you do next? Grab your latest mortgage statement, hop onto Company E’s quick‑quote page, and punch in the numbers. If the premium feels right, click through the four‑step application and lock in protection before the next billing cycle.
Remember, the best mortgage protection insurance companies make the process feel effortless. Company E nails that with a transparent quote and a digital application that respects your time.
6. Company F – Flexible Terms for Teachers and Educators
Teaching is a nonstop juggling act—lesson plans, parent conferences, grading piles, and that ever‑present feeling that you could be called in for a substitute any minute. So when you think about mortgage protection, you want a policy that bends with your schedule instead of adding another rigid deadline.
That’s exactly why Company F shows up on our list of the best mortgage protection insurance companies for educators. They designed a suite of options that recognize a teacher’s pay cycle, summer break, and the occasional unexpected leave.
Why teachers love flexible premiums
- Pay‑as‑you‑go premium structure: Instead of a single annual lump‑sum, you can spread payments across the school year, syncing with your bi‑weekly paycheck.
- Seasonal premium holidays: Take a “premium pause” during summer vacation or a long sabbatical—your coverage stays active, but you don’t owe a premium while you’re not earning a salary.
- Adjustable coverage amount: As you gain tenure or pay a step‑increase, you can bump up the death benefit without a medical exam, keeping the policy in step with your growing mortgage balance.
Does that sound a bit too good to be true? In our experience, carriers that let you tweak premiums without re‑underwriting tend to have higher customer‑service scores because they’re built for professions with variable income streams.
Living‑benefit riders that fit a school calendar
- Critical‑illness advance: Get a lump‑sum payout if you’re diagnosed with a covered condition. You can use it to cover medical bills, pay the mortgage during a long recovery, or even fund a summer enrichment program for your kids.
- Disability‑income rider: If an injury or illness keeps you out of the classroom, this rider replaces a percentage of your salary each month, making it easier to keep up with the mortgage while you’re on leave.
- Short‑term loan‑style rider: Think of it as a cash‑flow bridge that you can tap during a prolonged strike or unexpected school closure. The amount is typically a fraction of the death benefit and is repayable only if you survive the policy term.
And because teachers often have access to professional development funds, Company F lets you funnel those extra dollars straight into the rider premium, essentially using your career‑growth budget to boost protection.
Real‑world example: Mrs. Lopez’s classroom
Mrs. Lopez, a fifth‑grade teacher in Phoenix, signed up for Company F after a colleague mentioned the “premium holiday” feature. She was midway through a 30‑year mortgage when a sudden asthma flare‑up forced her to take two months off. The disability‑income rider kicked in, covering 65% of her salary, and the critical‑illness rider released a $20,000 advance. With that cash she paid the mortgage, kept the lights on at home, and even bought a new inhaler without dipping into her emergency fund.
What stood out for her wasn’t just the money—it was the speed. The claim was processed in under 10 days because Company F already had her employment verification on file from the initial application. She told us she finally felt “the safety net was actually there, not just a promise on paper.”
Quick checklist before you sign
- Gather your most recent pay stub and your current mortgage balance.
- Identify which rider(s) matter most: critical‑illness, disability‑income, or short‑term loan.
- Ask the agent how the “premium pause” works—what documentation is needed to qualify for a summer break pause?
- Confirm that coverage adjustments (up‑or‑down) can be made without a new medical exam.
- Check the waiting period for each rider; most educators appreciate a 30‑day grace before the disability rider becomes active.
- Make sure the policy lets you name a beneficiary other than the lender, so you control where the money goes.
Take a few minutes tonight to run through that list. If the answers line up with your budget and your teaching calendar, you’ve likely found a policy that won’t feel like a second job.
Bottom line: Company F tailors mortgage protection to the rhythms of an educator’s life—flexible premiums, rider options that match a school year, and a claims process that respects your time. It’s a solid fit for anyone who wants peace of mind without sacrificing the very schedule that makes teaching rewarding.
Ready to see if the flexible terms work for you? Grab a quote, run the checklist, and let us at Life Care Benefit Services walk you through the details. Your home, your family, and your classroom deserve a safety net that moves as you do.
FAQ
We get a lot of questions when families start comparing the best mortgage protection insurance companies. Below are the ones we hear most often, plus the practical steps you can take right now.
What exactly is mortgage protection insurance and how is it different from a regular life‑insurance policy?
Mortgage protection is a term life policy whose death benefit is designed to cover your outstanding loan balance, not your whole estate. In a traditional life policy you choose an amount that may exceed your mortgage, and the payout goes to your beneficiaries to use however they wish. With mortgage protection, the insurer often sends the money straight to the lender, guaranteeing the house stays paid. That focus on a single debt can make premiums a bit lower, but you lose the flexibility of a broader death benefit.
How can I pick the best mortgage protection insurance companies for my family’s unique situation?
Start by listing what matters most: price, carrier strength, and rider options that match your life rhythm. Compare A‑M‑E ratings to confirm financial stability, then check whether the carrier lets you pause premiums or adjust coverage without a new exam. Finally, read real‑world reviews or ask an independent agent—like us at Life Care Benefit Services—to walk through a side‑by‑side quote. The “best” company is the one that ticks your top three boxes without adding hidden fees.
Can I add living‑benefit riders to a mortgage protection policy, and what do they actually cover?
Yes, most top carriers let you tack on critical‑illness, disability‑income, or short‑term loan‑style riders. A critical‑illness rider pays a lump‑sum when you’re diagnosed with a covered condition, giving you cash to cover medical bills or keep the mortgage current. Disability‑income replaces a portion of your salary each month if you can’t work, which can be a lifesaver during a prolonged recovery. These riders turn a “pay‑off‑only” policy into a cash‑flow safety net you can use while you’re still alive.
What is a “premium pause” and how does it work for teachers or anyone with seasonal income?
A premium pause lets you temporarily suspend payments—often during summer break or a sabbatical—while the coverage stays in force. You usually need to prove you’re still employed (a recent pay stub or a letter from the school district works) and the pause can last 30‑90 days depending on the carrier. When you return to work, payments resume automatically, and you don’t have to re‑apply or undergo another medical exam.
Do I need a medical exam to qualify for mortgage protection insurance?
Most term‑only mortgage protection policies waive the exam if you’re under a certain age (usually 55) and the face amount is below a set threshold, often $250,000. You’ll still answer health questions on the application, and the insurer may request a basic lab panel if you’re near the limit. If you add a living‑benefit rider, the underwriting can get a little stricter, but many carriers still approve without a full physical exam.
How quickly can I expect a claim to be paid if I need to use a rider benefit?
Speed depends on the rider and the documentation you provide. Critical‑illness advances often come within 10‑15 business days once the diagnosis paperwork is approved. Disability‑income benefits can take a bit longer—typically 20‑30 days—because the insurer needs to verify your inability to work. Keeping a copy of your doctor’s report, claim forms, and any supporting lab results handy can shave days off the process.
What happens to my mortgage protection policy if I refinance or pay off the loan early?
Most policies let you keep the coverage even after the mortgage is gone, turning the death benefit into a traditional term payout for your beneficiaries. If you refinance, you’ll want to notify the carrier so the insured amount matches the new balance; otherwise you could be over‑paying. Some carriers also allow you to convert the policy to a whole‑life product without a new medical exam, preserving any cash value that may have built up.
Conclusion
We’ve walked through everything that makes the best mortgage protection insurance companies stand out—rating strength, flexible living‑benefit riders, and the ability to grow with your life changes.
So, where does that leave you? If you’ve already jotted down your mortgage balance, listed the riders that matter, and checked the carrier’s A‑M‑E rating, you’re practically halfway to a solid safety net.
In our experience, families who act within a week of reviewing their options lock in lower premiums before rates shift. Grab your latest statement, run the quick checklist we’ve shared, and give Life Care Benefit Services a call to fine‑tune the numbers.
Remember, the goal isn’t just to “buy a policy” — it’s to secure peace of mind that lets you focus on the moments that truly matter, whether that’s a family dinner or a weekend project.
Does this feel like the right next step? Take a few minutes tonight to compare the top three carriers we highlighted, note any premium pauses or conversion features you need, and reach out for a personalized quote.
When you protect your home with the right coverage, you’re not just covering a loan; you’re safeguarding a future you’ve worked hard to build. Let’s make that future as secure as possible.
