The First Insurance Company People Actually Like
Protecting your assets during life's unexpected hardships
Initially conceptualized during the 2020 COVID Pandemic, Marc Goldberg was the Head of Loss Mitigation for a multi-billion dollar mortgage investment private equity fund.
He knew the entire loss mitigation model was broken and needed a better solution than borrowers begging for assistance when regulations only protected government loans.
Launching in 2025, HappyBridges was born from a simple idea: consumers should be able to save their assets and keep their health insurance during short term hardships with certainty vs hoping for help.
We've built a platform that helps EVERYONE. Lenders are happier getting paid and Borrowers have more comfort knowing HappyBridges has their back.
HappyBridges created the "Hardship Gap Policy" to cover monthly payments on houses, autos, boats, and health insurance. Starting at $19 per month, save your assets from lenders during short term hardships.
Protect your home by ensuring your mortgage payments are covered during hardships.
Average monthly payment: $2,500
Keep your housing secure by covering your rent payments during difficult times.
Average monthly payment: $2,000
Maintain your health coverage when you need it most during unexpected hardships.
Average monthly premium: $800
Protect your vehicle and credit score by ensuring your auto payments are covered.
Average monthly payment: $500
Coverage for job loss due to layoffs or company closure.
Rate: $25 per $1,000 covered
Financial protection during the most difficult times.
Rate: $10 per $1,000 covered
Support during relationship transitions and legal proceedings.
Rate: $9 per $1,000 covered
Coverage when you're temporarily unable to work due to illness or injury.
Rate: $16 per $1,000 covered
Your total monthly coverage is the sum of all selected financial products:
Coverage is rounded up to the nearest $1,000 for premium calculation.
Each hardship has a different rate per $1,000 of coverage:
3 Months
Base Rate
6 Months
2x Base Rate
9 Months
3x Base Rate
12 Months
4x Base Rate
Example: $5,800 monthly coverage with all 4 hardships for 12 months = $1,392
"HappyBridges saved our home from foreclosure after a job loss. Our lender would not offer us any loss mitigation, loan modifications, deferments, or help to get back on track."
Sarah Johnson
Policy Owner, Georgia
"The platform is intuitive and powerful. Our borrowers are happier, our staff can focus on delivering a great customer experience, and our investors are seeing more positive cash flows."
Michael Chen
CEO, Major Servicer
"Our family was able to keep our doctors and our insurance for our young children after a mass layoff through HappyBridges COBRAGap Program."
Emily Rodriguez
Policy Owner, New York
Have questions about our platform? Ready to get started?
Our team is here to help.
© 2025 HappyBridges. All rights reserved.
The First Insurance Company People Actually Like
Protecting your assets during life's unexpected hardships