Abstract: Disclosed is a monitoring service that includes the steps of aggregating a mortgage insurance payer record for each of a plurality of mortgagors into a set of mortgage insurance payment records, wherein said plurality of mortgagors include mortgagors paying a plurality of different mortgage insurers; monitoring a set of one or more potential mortgage insurance removal triggering events and flagging one of said mortgage insurance payer records that satisfy any criterion associated with any potential mortgage insurance removal triggering event as a potential mortgage insurance removal record, wherein a criterion relates to property asset appreciation; and notifying a mortgagor associated with said potential mortgage insurance removal record that said mortgagor may have an option to remove said mortgage insurance component. A preferred embodiment includes a message box in an electronically accessible format (e.g.