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Insurance discussion and general information

Mortgage Life Insurance

When evaluating life insurance to protect your family, there are many areas to consider. You need to think about the financial impact your loved ones will need to cope with in your absence. This includes the monthly living expenses, the amount of debt you have and possible needs in the future – such as your children’s further education. One specific item to outline is your mortgage, which can be covered with mortgage life insurance.

Mortgage life insurance is a type of coverage that is specifically used to repay a mortgage in the event of the policyholder’s death. With a policy in place, the plan would pay out a capital sum that would be enough to pay the outstanding balance on the mortgage. This coverage is designed to protect the ability of the borrower to repay the mortgage for the lifetime of the loan. This should not be confused with private mortgage insurance that financially protects the lender from the risk of default from the borrower.

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