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Term vs Mortgage Life

Would you say its better to get term insurance with enough insurance to pay off you house if something happened to you or buy the mortgage life insurance at the bank?
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I definitely believe that term insurance is a better idea than mortgage life insurance. With the MLI, the lender is protected. With your own term insurance, you get to use the money any way you need to. And if you’ve paid down a considerable amount on your mortgage, the remaining amount from the term policy can go toward anything else you want it to.
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