Mortgage Protection Insurance to Protect Your Family at the Right Price.
I'm Chelsea Ruiz, an independent life insurance agent contracted with 40+ major carriers. I shop the market so you don't have to, and help you get covered the same day.
Currently serving clients in NJ · IA · VA · WA · OH · AZ · TX · AR · GA · AL
Free Quote
Get Your Free Mortgage Protection Quote
Takes about 2 minutes. No obligation, no pressure.
Mortgage Protection Quote
Takes about 2 minutes.
Tell me about your mortgage
What's your name and where are you located?
What is your date of birth?
Height & weight
Do you currently smoke or use tobacco products?
Do you have a spouse or co-borrower you'd like to cover?
Tell me about your spouse or co-borrower
Medical history in the past 10 years
Check any that apply. This helps me find carriers that will work for your situation.
Spouse health history
Current medications
List any medications you currently take, or write "None".
Spouse medications
A few more details
How can we reach you?
Almost done, just one last step
Non-marketing communications: By submitting this form, you agree to receive informational text messages and calls from Chelsea Ruiz / LifeInsuranceCR regarding your quote request. Message & data rates may apply. Reply STOP to opt out at any time. See our Privacy Policy and Terms & Conditions.
Marketing communications: I also agree to receive occasional follow-up messages about mortgage protection and life insurance options. Reply STOP to opt out at any time.
You're all set!
A licensed agent will reach out within 24 hours.
If you would like to schedule your appointment feel free to do so here:
Most insurance agents represent one company. I'm different, I'm independent and contracted with 40+ major carriers, which means I can compare real rates from dozens of companies and find the plan that fits your life and your budget.
I work in both English and Spanish, so you always get answers in the language you're most comfortable with. Whether you need to protect your mortgage, secure your family's future, or plan for retirement, I'll guide you from start to finish.
When we're done, you won't just have a policy, you'll have a plan you understand, and an agent who'll be there for every question that comes after.
40+
Major carriers I'm contracted with
10
States I serve across the US
2
Languages: English & Spanish
Free
Consultation & quote, always
Licensed Life Insurance Agent · NPN: 20774939
What I Offer
Coverage for Every Stage of Life
I help individuals and families find the right plan, from protecting your home to building wealth for retirement.
Mortgage Protection
If you pass away or become disabled, this policy pays off your mortgage, so your family never has to move out of your home.
Life Insurance
Term and whole life options to protect the people who depend on you. We find the right amount, type, and carrier for your situation.
Final Expense
Affordable whole life policies that cover funeral costs and end-of-life expenses, so your family isn't left with the bill.
Disability & Critical Illness
If illness or injury keeps you from working, these plans replace your income and cover major medical events like cancer, stroke, or heart attack.
Retirement Planning
Use life insurance to build tax-advantaged retirement income. I'll show you how to grow cash value that's there when you need it most.
Debt Free Life® & Smart Start
Specialized programs that help you pay down debt faster while building cash value, so you come out ahead financially.
How It Works
Get Covered in 3 Simple Steps
From your first call to your welcome email, the process is simple, fast, and completely free to start.
1
Book a Free Consultation
Schedule a free 20-minute call at a time that works for you. No paperwork, no pressure, just a conversation about your home, family, and budget.
2
I Shop 40+ Carriers for You
I learn about your situation, then search across our entire carrier network to find the best coverage at the best rate for your budget.
3
You're Covered
Pick the plan you like and I'll get you set up. You'll receive a welcome email with your policy details, and I'll be your agent for life.
Here are a few examples of what it looks like when the right plan is finally in place.
Mortgage Protection
First-Time Homeowner
A 34-year-old just closed on her first home and realized that if something happened to her, her husband would be stuck with a $320,000 mortgage on one income.
✓ 30-year policy matching her loan, $31/month
Mortgage Protection
Couple Closing on a Home
A couple buying together were told mortgage protection was "optional." They came to me a month after closing. We structured policies for both spouses, if either one passes, the mortgage is paid in full.
✓ Both spouses covered on a $410,000 home, $58/month combined
High-Risk Applicant
Denied Twice Elsewhere
A 52-year-old with Type 2 diabetes had been turned down by two insurers. He was worried his wife would lose the house if he passed. I worked through carriers that specialize in higher-risk applicants.
✓ $280,000 policy secured at a rate he could manage
Life Insurance
The Stay-at-Home Parent
A couple came in focused on insuring the breadwinner, but hadn't thought about their stay-at-home spouse. Losing her would mean full-time childcare plus the mortgage. We added a policy on her for less than a coffee a day.
✓ $300,000 coverage, from $30/month
Whole Life
College Student, Locked In Early
A mother called worried about her 19-year-old aging off the family plan. I set him up with a whole life policy while young and healthy, locking in a rate that will never increase, no matter what happens to his health.
✓ $100,000 whole life policy, $52/month, rate locked for life
Why Work With Me
Your Agent, Not a Company Rep
I work for you, not for any single insurance company.
🔍
I Shop 40+ Carriers
Most agents can only sell from one company. I compare dozens of carriers to find your lowest rate, and the plan that actually fits your life.
🗣️
Bilingual: English & Spanish
You deserve to understand your policy fully. I work fluently in both languages so nothing gets lost in translation.
💼
Independent & Unbiased
My only goal is finding the right plan for you, not hitting a quota for one company. Your coverage, your terms.
📅
Your Agent for Life
After your policy is in place, I'm still here. As your life changes, I'll make sure your coverage keeps up.
⚡
Fast & Simple Process
A free consultation takes 30–60 minutes. In many cases you can be covered the same day we speak.
🛡️
Licensed & Credentialed
I'm licensed in life insurance and life & dismemberment insurance, so you can trust that your coverage is placed correctly.
FAQ
Common Questions
If you don't see your question here, just book a free call and ask me directly.
Do I need a medical exam to get covered?
Not always. Many of the plans I work with offer no-exam coverage, especially for term and mortgage protection policies. During our consultation I'll let you know which options are available to you based on your health profile.
How quickly can I get covered?
In many cases, same-day coverage is possible. Simplified issue policies can be approved within minutes of our call. More complex cases may take a few days depending on the carrier's underwriting process, but I'll walk you through every step.
Is the quote really free?
Yes, completely. There's no cost, no obligation, and no pressure to buy. I provide free quotes because I want you to make an informed decision, not a rushed one.
What if I sell my home and move?
Your plan goes with you, it's not tied to the property. Whether you move across town or across the country (within the states I'm licensed in), your coverage and your rate stay exactly the same.
What if I have pre-existing conditions?
Pre-existing conditions don't automatically disqualify you. Because I work with 40+ carriers, including some that specialize in higher-risk applicants, I can often find coverage that others have denied. Tell me your situation and I'll find out what's available.
Is mortgage protection really necessary if I already have life insurance?
They serve different purposes. A standard life insurance policy pays your beneficiary a lump sum, they can use it however they choose. Mortgage protection is specifically designed to pay off your home, and it's often easier to qualify for than traditional life insurance. Many clients have both. During our call I'll help you figure out which one, or which combination, makes sense for your situation.
I'm young and healthy, do I really need this now?
Now is exactly the right time. Rates are based on your age and health at the time you apply, the younger and healthier you are, the lower your rate, and it stays locked in for the life of the policy. Waiting even a few years can significantly increase your premium. Locking in coverage while you're young is one of the smartest financial moves you can make.
I can't afford another monthly expense right now.
I hear this a lot, and I understand. Rates typically start around $30/month and go up based on your age, health, and coverage amount. I'll work within your budget and show you exactly what's available at your price point. The cost of not having coverage, leaving your family with a mortgage they can't pay, is almost always far greater than the monthly premium.
Ready to Protect What Matters Most?
Book your free consultation today. No pressure, no obligation, just real answers and a plan that fits your life.
Life Insurance by CR is operated by Chelsea Ruiz, an independent insurance agent. Contact: chelsearuizibarra@gmail.com
Information We Collect
When you book a consultation or contact us, we may collect:
Your name, email address, and phone number
Health information you share during the consultation (used solely for quoting purposes)
Information submitted through our booking platform (Cal.com)
How We Use Your Information
We use the information you provide to:
Schedule and conduct your free consultation
Obtain insurance quotes on your behalf from our carrier network
Communicate with you about your policy or coverage options
Information Sharing
We do not sell your personal information. We share information only with insurance carriers as needed to obtain quotes or place coverage, and with service providers (such as Cal.com for scheduling) under appropriate data agreements.
Data Retention
We retain your information for as long as necessary to service your policy or as required by applicable law and insurance regulations.
Your Rights
You may request access to, correction of, or deletion of your personal information by contacting us at chelsearuizibarra@gmail.com.
Security
We take reasonable steps to protect your information, but no method of transmission over the internet is 100% secure.
This website is operated by Chelsea Ruiz, an independent licensed life insurance agent doing business as LifeInsuranceCR (lifeinsurancecr.com). By accessing or using this website, you agree to these Terms & Conditions.
2. Not Legal or Financial Advice
The information on this website is provided for general informational purposes only. It does not constitute legal, financial, or insurance advice. Coverage options, premiums, and eligibility are subject to underwriting approval and vary by carrier, state, and individual circumstances. Always review your policy documents carefully before purchasing coverage.
3. Licensing
Chelsea Ruiz is a licensed life insurance agent. Licensing is valid in the following states: New Jersey, Iowa, Virginia, Washington, Ohio, Arizona, Texas, Arkansas, Georgia, and Alabama. Insurance products are not available in states where Chelsea Ruiz is not licensed.
4. No Guarantee of Coverage
Submitting a quote request or contacting us does not guarantee approval, coverage, or any specific premium rate. All policies are subject to the terms, conditions, and underwriting decisions of the issuing insurance carrier.
5. SMS Communications
By submitting your phone number through our quote form, you consent to receive text messages from LifeInsuranceCR regarding your quote request and insurance options. Message and data rates may apply. Message frequency varies. Reply STOP at any time to opt out. Reply HELP for help. For support, contact chelsearuizibarra@gmail.com.
6. Third-Party Links & Services
This website may link to third-party services including Cal.com for appointment scheduling. We are not responsible for the content, privacy practices, or terms of any third-party websites or services.
7. Intellectual Property
All content on this website, including text, graphics, and branding, is the property of LifeInsuranceCR / Chelsea Ruiz. You may not reproduce or distribute any content without written permission.
8. Limitation of Liability
LifeInsuranceCR and Chelsea Ruiz shall not be liable for any damages arising from your use of this website or reliance on any information provided herein. This website is provided "as is" without warranties of any kind.
9. Changes to These Terms
We may update these Terms & Conditions at any time. Continued use of this website after changes are posted constitutes your acceptance of the revised terms.
