The Conversation Missing at Every Closing Table

Because what's the point of the dream home if there's no plan to protect it?

Let’s set the scene.

You’re at the closing table. Champagne poppin’. Keys in hand. Smiles all around. You’re officially a homeowner! And rightfully so, it’s a big moment. A proud moment. You just signed 375 pages of your life away, and you're ready to start decorating like HGTV is watching.

Here’s a question that rarely gets asked—If life changed overnight, would your family be able to keep the home?

It’s a tough question, but one worth asking—because protecting your home means thinking beyond the day you get the keys.

The Missing Conversation at the Closing Table

We talk inspections, interest rates, down payments, and property taxes—but not a peep about how this asset will be passed on or paid off if something unexpected happens.

Real estate agents, lenders, attorneys... everyone plays their part in helping you get the house. But who’s helping you keep it?

Your mortgage doesn’t care about your grief.

Your lender isn’t accepting prayer hands and family hugs.

The monthly bill still hits—whether you’re alive or not.

So if you’re the breadwinner (or even half the loaf), the question is:

If you die, who’s paying that mortgage for the years to come?

Exactly. Silence.

Let’s Talk Real Life

I had a woman reach out to me after her husband passed.

They had just moved into their dream home six months before.

No life insurance, no will, nothing.

The mortgage was in his name. Her name wasn't even on the deed (a different conversation for another day 🙃).

And now? She’s fighting probate, grieving, and facing foreclosure.

I’ll never forget what she told me:

“We were so focused on getting the house, we never thought about what would happen after.”

Let that sit with you.

Real Estate Agents: Here’s Your Power Play

If you’re a real estate agent reading this, this is your moment.

Be the one who goes beyond the basics. When your clients are signing those final docs and holding their breath for that wire transfer confirmation—bring up life insurance.

Not to sell it, but to plant the seed.

"Hey, have you thought about how this house would be paid off if something happened to you? Life insurance can help with that.”

That right there? That’s value. That’s legacy-minded professionalism. That’s a conversation that could literally save a family from losing everything.

New Home = New Coverage Plan

If you’re a homeowner and you haven’t updated or reviewed your life insurance, let this be your wake-up call. Don’t just protect the structure—protect the story. Your home isn’t just four walls. It’s your legacy. It’s memories. It’s “mama’s favorite chair in the corner” and “Leah’s first steps on that wood floor.”

So don’t leave it all hanging because no one brought it up when you were signing loan docs and dreaming about kitchen backsplashes.

The Truth You Can't Afford to Skip

Look—I know talking about death can kill the vibe at closing.

But so can a foreclosure letter six months later.

If you’re a homeowner, review your policy. If you’re an agent, start the conversation. And if you don’t know where to start? That’s what I’m here for.

Let’s make sure your home is more than just bought—it’s protected.