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Should I buy INSURANCE that pays off my mortgage if I die or I'm disabled?
No. It may be tempting if you are stretching to make the mortgage payment, but refrain. You'll pay less for term life insurance, which lets beneficiaries choose how to use the money. They may not want to pay off the mortgage right away. Likewise, long-term-disability insurance makes more sense. It helps cover all your bills, not just one.
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