Mortgage Protection Specialist · Licensed in All 50 States

Your Home.
Protected.

Insured by Luke Rowe · Pinnacle Life Group

Most homeowners are one major life event away from losing everything. I personally work with each family to find the right coverage from top-rated carriers — so your home stays in your hands, no matter what.

Book Free Appointment See how it works
NPN # 22155222
40+ A-Rated Carriers
$0 to Apply
Luke Rowe — Pinnacle Life
Luke Rowe
Licensed Agent · Pinnacle Life Group
50
States licensed
5
Carriers
20m
Free consult
20-Minute Free Consultation
40+ A-Rated Carriers · Mutual of Omaha · Transamerica · Corebridge · and More
No Medical Exam Required for Most Applicants
$0 Out-of-Pocket to Get Started
1 in 3
Homeowners have no coverage
to protect their mortgage
68%
Of bankruptcies follow
a serious illness or disability
24–72h
Typical time from application
to policy issued
The Problem

Your lender is covered.
Your family isn't.

When you signed your mortgage, your lender made sure their investment was protected. Nobody made sure yours was.

Mortgage protection insurance fills that gap — paying off your remaining balance if you pass away, become disabled, or face a critical illness. Your family never has to choose between grief and keeping the house.

It's not complicated. It's not expensive. Most people don't have it simply because no one sat down and walked them through it.

That's exactly what I do.

  • 💀
    Unexpected Death Your income stops. The mortgage doesn't. Coverage pays off the full balance so your family keeps the home.
  • 🏥
    Critical Illness Cancer, stroke, heart attack — medical bills pile up while income dries up. Living benefit riders pay you directly.
  • 🦽
    Disability Can't work means can't pay. Monthly disability income riders keep your mortgage current regardless.
  • 📋
    Work Coverage Isn't Portable Employer life insurance ends when you leave. It's rarely enough to cover a full mortgage — and it follows the job, not you.
Luke Rowe — Mortgage Protection Specialist
Licensed In
All 50 States
Who You're Working With

I'm Luke.
Let me earn your trust.

I got into insurance because I watched too many families get blindsided — good people with mortgages and no plan for the worst-case scenario. I wanted to be the person who actually showed up and fixed that.

Before insurance, I was a licensed real estate agent in Florida. That means I understand mortgages from both sides of the transaction — what you owe, what your equity means, and exactly what's at stake for your family if something goes wrong.

I work with Pinnacle Life Group and I'm contracted with 40+ A-rated carriers. That matters because I'm never pushing one company's product — I'm shopping the market to find what's actually best for your situation.

Licensed in All 50 States
Pinnacle Life Group
Former Licensed Realtor
NPN # 22155222
40+ Carrier Contracts
Book a Free Call
Insured By Luke Rowe
"
"
"I believe every family deserves to be protected — not because it's good business, but because it's the right thing to do. I'm not just your agent. I'm here to serve you."
— Luke Rowe · Pinnacle Life Group · Licensed Agent · Servant. Protector. Father of Faith.
I Work With

40+ A-rated carriers.
One agent shopping them all for you.

Mutual of Omaha
A+ Rated
Transamerica
A Rated
Corebridge / AIG
A Rated
Pacific Life
A+ Rated
North American
A+ Rated
The Process

Covered in 3 steps.
Faster than you think.

01
Book a Free Appointment
Pick a time, phone or video, any state. Takes 15–20 minutes. I'll ask you a few questions about your mortgage and budget — no forms to fill out beforehand.
02
I Shop the Market for You
I pull quotes from all 40+ carriers I'm contracted with and bring you the best options for your age, health, and coverage goal. You see real numbers — no vague ranges.
03
Get Covered — Fast
Most policies issue in 24–72 hours. No medical exam for most applicants. You don't pay a cent until the policy is in your hands and you're satisfied.
Reach Out Directly

You talk to me.
Not a call center.

No 1-800 numbers. No hand-offs. When you call, text, or email — you get me. That's the whole point of working with an independent agent.

NPN # 22155222  ·  Pinnacle Life Group
Luke Rowe — Protecting What Matters Most
Book Now

Schedule your
free appointment.

Pick any open time. I'll confirm and send a short prep sheet so we make the most of our 20 minutes together.

  • ✓
    20 minutes or less
  • ✓
    No pressure — just real options
  • ✓
    Quotes from 40+ A-rated carriers
  • ✓
    $0 to apply — pay only at policy issue
  • ✓
    Phone or video · Available in all 50 states
Insured By Luke Rowe
📅
Book Your Appointment
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Client Stories

Real families.
Real coverage.

"
★★★★★
Luke was straight to the point — no fluff, no pressure. Had me covered in two days and I paid less than I expected. Best decision I've made as a homeowner.
Michael T.
Austin, TX
"
★★★★★
I'm in Ohio and honestly didn't think I could get this kind of personalized help remotely. Luke made it feel like he was right here. Policy issued in 48 hours. Incredible.
James & Nicole P.
Columbus, OH
"
★★★★★
We just bought our first home in Georgia and Luke walked us through every option without making us feel dumb. We're covered and we finally have peace of mind.
Brittany M.
Atlanta, GA
"
★★★★★
I've been meaning to get coverage for two years. Luke got it done in one phone call. No runaround, no upselling — just real answers and a plan that fits our budget.
Carlos R.
Phoenix, AZ
"
★★★★★
My husband passed suddenly two years ago. If we had this coverage our story would have been so different. Luke educated me on what I was missing. Now my kids are protected.
Denise W.
Charlotte, NC
"
★★★★★
Called on a Tuesday, had my policy by Thursday. Luke found me a rate $40 cheaper per month than I expected. He genuinely cares — you can feel it in how he talks to you.
Ryan & Kayla S.
Denver, CO

Your family is worth 20 minutes.

No pressure. No jargon. Just an honest conversation about what you have, what you're missing, and what it would cost to fix it.

Book Your Free Appointment →