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"Wait," Sarah said, pointing to an article on Investopedia . "It says we could just get a regular policy instead."

: Some users on Reddit warned about "horror stories" where lenders investigated eligibility only after a claim was made, sometimes leading to denied payouts. buy mortgage life insurance

: As you pay off your mortgage, the insurance payout shrinks to match the remaining balance, even though your monthly premiums stay the same. "Wait," Sarah said, pointing to an article on Investopedia

"It seems like a no-brainer," Mark said, tapping a pamphlet. "If something happens to me, the house is paid off immediately. You wouldn't have to worry about a thing." Sarah nodded, picturing the security of a cleared debt, but she felt a nagging hesitation she couldn't quite name. "It seems like a no-brainer," Mark said, tapping a pamphlet

Sarah and Mark sat in their newly painted kitchen, the scent of fresh pine still lingering in the air. After years of saving, they finally owned their "forever home," but a stack of colorful brochures from their lender sat on the table, each one echoing a single, heavy phrase: .