Colli Real Estate

What companies still offer “actual” Mortgage Life Insurance policies?

Unfortunately, there is some extensive health history that prohibits the application of such traditional Term/Whole life solutions. From what I understand, actual Mortgage Life Insurance is a decreasing plan (following the decreasing principle of your loan) that is shared by both borrowers and designed only to pay off the mortgage in the event one or both borrowers dies.

Primerica is a company that offers decreasing term insurance. This is what you would call mortgage insurance. But you would have to qualify for health questions. Think about it, you are looking at a large amount of money. The co. wants to be sure that they pay out as little as possible. They want healthier individuals to be policy owners. So, you are looking for decreasing term insurance. Look in your yellow pages for Primerica.

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