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Mortgage Protection insurance is more than just a policy to pay off the balance of your mortgage if you or your spouse pass away. Mortgage Protection is a complete package of coverages designed to ensure that whatever happens to you, you'll be able to stay in your home and not end up broke.
Of course, if you or your spouse dies, the policy pays you the money which you can use to pay off your mortgage. If you're hurt working around your house or you're in an automobile accident and can't work for awhile, your Mortgage Protection coverage can provide disability benefits (if you qualify) to provide you with cash while you can't work to ensure that your mortgage payments continue to be paid. You don't have to worry about losing your house while you're recuperating. Further, it is possible to have unemployment coverage as well (if available in your state), so that if you lose your job, your premiums will be paid for up to 6 months. And that money will come in to you, not your mortgage company, so you have control over your money. Remember, these Mortgage Protection policies are designed to help you, not some huge, bureaucratic loan company. That's a good thing!