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Decreasing Term Life Insurance

Just Say No To Mortgage Life Insurance and Decreasing Life Insurance

These kinds of insurance policies will pay your mortgage in the event of death or disability. But the cost of these policies can be three to five times as much as comparable straight term-life insurance, according to Consumer Reports.

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

If you have a 30-year mortgage buy a 30 year term policy in the same amount as your mortgage; it will be less expensive that mortgage life insurance or decreasing term life insurance. Lastly you will have better coverage for a better price.

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