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Make sure your Mortgage Protection Insurance has the features you need. We review the seven things you need to know to get the right mortgage protection insurance.
For most of us, the mortgage on our home is our greatest investment and financial commitment. A home is more than just a roof over our heads. For our children, it’s their sanctuary. It’s where memories are made and lives are built.
However, on average more than 2,700,000 families lose their home to foreclosure annually in the United States. Half of those foreclosures could have been prevented with the right kind of mortgage protection insurance.
In this video I will 7 things you need to know about mortgage protection insurance so that your family does not become one of the millions who lose their home each year due to unforeseen circumstances.
1. Most mortgage protection insurance policies ONLY insure against the premature death of a primary earner. The #1 reason for mortgage foreclosure is that one of the wage earners in the household becomes sick with a chronic or critical illness and lives. In fact 49% of all mortgage foreclosures in the United States is a direct consequence of the primary earning SURVIVING A critical or chronic illness. If that is not shocking enough; out of that group of families that lost their home to foreclosure. Do not settle for mortgage protection insurance that only protects your family if your die. This upgraded mortgage protection insurance does not cost any more than the old kind of coverage. Make certain you mortgage protection insurance will help your family cover your mortgage in case of critical or chronic illness…in addition to a premature death.
2. The benefit covering a person for critical and chronic illness is also called a living benefit or an accelerated death benefit. Some mortgage protection policies say they offer living benefits, but the benefit is limited to the diagnosis of a terminal illness with less than 12-months to live. Other mortgage protection policies use cash value life insurance and claim the cash value is the living benefit. While cash value life insurance has its place, it takes decades to build up enough cash value to compete with a real living benefit policy. In the meantime, you are left to fend for yourself. Your mortgage protection insurance should be low cost 30-year term coverage with living benefits.
Every day we bring you the top trending videos and news being shared around the web. What’s Trending also gives you access to your favorite digital stars and The pulse of what’s trending on YouTube. Check out the latest music videos, trailers, comedy clips, and everything else that people are … Trending this Week.
Trending videos are any videos that YouTube users are interacting with at a very high rate. Often these videos were recently uploaded (a day or so ago). As previously mentioned, you can view the current trending videos under the “Trending” tab on the YouTube homepage, even if you’re not logged in or don’t have an account.
For brands, the goal of creating trending content isn’t necessary. It could be a shoot-for-the-stars goal, because if one of your videos goes viral, it could end up on the trending page and thus gain significant exposure to your company. However, silly commercials, like those on the Super Bowl, have ended up as trending YouTube videos shortly following their television debut