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If you own a home, and have a mortgage, obtaining life insurance is a wise and preventive move when it comes to the financial well-being of your family. For sure, you do not want your family to be without a home in case of your death. It may be that your spouse can pay the mortgage on her/his own, but chances are, they can't.
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The best way to save money on a policy, is to compare rates amongst the largest number of insurers as possible - we make this very easy.
Most people are under the impression that decreasing term life insurance is the best way to protect your family if you have a mortgage. Not so. The best and cheapest way is to obtain term life insurance for the duration of your mortgage (mortgage protection insurance). For example, if you obtain a mortgage for 30 years, you should get a 30-year life insurance policy. This way your family will get the entire amount of the mortgage if you happen to die within 30 years.
On a off-topic note, I just installed solar panels on my home in Newton, Massachusetts. I have been thinking about it for a while now, so now that the credits and tax incentives are at all time highs, I took the plunge. I figure it will take 5 to 6 years to recuperate my investment, so after that, it's free electricity for the next 30 years or so. I went with a solar company out of Wendell, MA called Ecogen Services.