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Viewer comment - 1/5/2000 - From Louisiana...
As a former life insurance agent, I even learned something from this site...

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Have Mortgage Life Insurance?

If you own a home, most likely you have a mortgage. Many bought mortgage life insurance from your lender's insurance company. You probably added it at the closing of your home. Look at your monthly statement. It will list how much you're paying for that benefit. It may be a lot.

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Mortgage life insurance generally follows your mortgage. If your original loan was $200,000 and the balance is now $150,000, chances are your insurance is worth $150,000. However, you are still paying the same premium for the lower amount. In addition, if there was no physical required when the policy was bought, the premium may be very high in relation to an individually underwritten contract. There may be some hidden dollars waiting to be claimed which could result in an extra tank of gas each month. It's worth checking out.

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