Say "No" to Mortgage Life Insurance

Say "No" to Mortgage Life Insurance

Mortgage insurance is designed to repay your mortgage in the event of your death, disability or some incapacitating disease. But the cost of this type of policy can be three to five times as much as comparable term-life insurance, according to Consumer Reports.

Plus, the value of this insurance actually declines as you pay down your mortgage.  If you're worried about burdening your heirs with mortgage payments, you'd be better off buying straight life insurance.

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