Term Life Insurance To Protect Mortgage

Are you considering term life insurance to protect mortgage loan you have on your home?

Many Americans hope for the day they own their own home. If just may be the single biggest investment of your life. But, it also depends on a steady income to pay your mortgage each month. If something happens to one, or to both income-earners in your family, it may be difficult to pay your mortgage. How would your family get by?

Buying a level term life insurance policy can provide your family with the money they need to make their mortgage payments if you’re no longer alive to support them.

Get a Free Quote for Mortgage Life Insurance

If you die, your family might not be able to pay the mortgage. With a level term life insurance policy, the death benefit would provide the money necessary for your family to make the mortgage payments, and stay in their home.

There is mortgage protection insurance available, but many people choose term life insurance instead.

Why Should You Choose Term Life Insurance Instead of Mortgage Insurance?

A common approach to providing money to pay off a mortgage in if you die is to buy term life insurance. Term insurance offers you much lower premiums, but the amount of life insurance protection doesn’t decrease over time, as it usually does with mortgage protection insurance. That’s a big benefit for your family.

Which Type of Term Life Insurance to Choose?

The least expensive type of term insurance is decreasing term life insurance. The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage. If you only want protection for your mortgage, then decreasing term may be your best option.

Another option is level term life insurance. With level term your rates are guaranteed to remain the same over the policy term, and your death benefit remains the same, so your family has more proceeds available than just being able to pay off your mortgage.

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

Discount Burial Insurance

Life Insurance to pay for your funeral and burial provides your loved ones with the security and protection they need, when they need it most.

But, how can you find an affordable burial plan to provide for your final expenses?

Burial insurance rates are based on your age, health, occupation, hobbies, and other risk factors that may affect how long you are expected to live.

Burial Expense Plans provide money for final expenses including your burial, funeral fees, probate, legal fees, casket and tombstones.

The National Funeral Directors Association indicates the average cost of a funeral exceeds $6,700 not including medical and legal expenses.

Discount Burial Insurance Quotes

Top Pick – United of Omaha
United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.

Highly Recommended – Globe Life Insurance
$1* Buys $100,000 Globe Life Insurance for Adults or Children
No Medical Exam – Simple Application.
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Rates as Low as $3.49 per month.
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According to the American Association of Retired Persons (AARP), funerals and burials are among the most expensive purchases older Americans make. The average cost for an adult funeral ranges from $4,500 to $5,500. About one-third of that goes to the cost of the casket alone. In addition, an In-ground burial can add another $2,400 to the total cost of final expenses.

Adding Value to Your Home with A Sunroom

Regardless of where you live, it’s likely that you want to make the most of your home’s outdoor space. Intense climates with scorching summers and freezing winters make it difficult to enjoy being outside. In addition to weather, mosquitos, flies and other pests often send people right back indoors. People are looking for ways to enjoy being outside without its nuisances. Sunrooms are an excellent solution.
The addition of a sunroom to Tennessee homes creates a middle ground between being indoors and outdoors. Though there are variations of each, the two main types of sunrooms are those with glass-paned walls and those with screened walls. Both sun and screen rooms allow you to be outside while offering you varying amounts of protection from insects and weather.

Screen rooms are the most basic and inexpensive form of a sunroom. Built onto decks or porches, the walls of a screen room protect people from insects and other pests. An enclosed roof offers shade from the sun and a cover from the rain, but for the most part, screen rooms are subject to temperatures and weather. While they can’t be temperature controlled, screen rooms can come with electricity for lighting and ceiling fans. Screen rooms are most enjoyed when the weather is comfortable.

Stepping up from a screen room, a traditional glass paned sunroom offers considerably more. Basic sunrooms provide protection from rain, snow and wind and increased protection from temperature. Electricity for ceiling fans and lighting are available as well as full temperature control for higher-end models. Because they are less subject to weather, sunrooms can be enjoyed during more parts of the year.

Like a typical room addition, sunrooms near Knoxville are a construction project. Before anything can begin, a plan must be made and building permits obtained. Once that’s in order, a foundation can be laid, walls put up and roof placed on top. With the installation completed, sun and screen rooms become a permanent addition to a home.

Whether you opt for a simple screened version or an advanced glass paned one, sunrooms are a great addition to any home. Every sunroom adds valuable and usable living space to a home. Sunrooms make excellent home offices, game rooms or art studios. The natural light of the sun with protection from insects and weather make sunrooms the perfect place to entertain guests, enjoy breakfast, or simply kick back relax.