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Mortgage Life Insurance

Mortgage life insurance is basically a term life insurance policy. In years past, mortgage protection policies used to be decreasing term life insurance, but that is not the case any longer. A level term policy is the best kind of protection for a mortgage.

So, remember, when getting policy quotes and rates, don't let the agent sell you a decreasing term policy, you need a regular level term life insurance policy. The coverage period (term) should equal your mortgage loan duration - usually twenty or thirty years.


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