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Ask the Life Insurance Expert

Is there an insurance policy that pays off the mortgage when one of the insureds dies?

Mortgage life insurance specifically pays off a mortgage.  But I wouldn’t buy that. Instead I’d buy a regular term life insurance policy that covers the time period of the mortgage and any other large debts. Then the beneficiary can use the benefit for whatever is needed, be it the mortgage, final expenses, etc.

Here’s a good discussion about the pros and cons of mortgage life insurance from Cash Money Life.

Last updated: May. 30, 2013
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