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Path: utzoo!linus!philabs!cmcl2!seismo!lll-crg!dual!qantel!hplabs!sdcrdcf!sdcsvax!sdcc3!sdcc6!loral!hlb
From: hlb@loral.UUCP
Newsgroups: net.consumers
Subject: Re: Junk offers...
Message-ID: <939@loral.UUCP>
Date: Wed, 9-Oct-85 11:26:05 EDT
Article-I.D.: loral.939
Posted: Wed Oct  9 11:26:05 1985
Date-Received: Tue, 15-Oct-85 06:16:25 EDT
References: <615@decwrl.UUCP> <242@pyuxii.UUCP>
Reply-To: hlb@loral.UUCP
Organization: Loral Instrumentation, San Diego
Lines: 14

Rather than decreasing term why not choose a annual renewable term
policy that may be more cost effective.  In that way you can decrease
the coverage as your needs change rather than it be decreased for 
you.

Also, not all mortgage insurance policies require the mortgage lender
be the beneficiary although I've seen some that do.  The spouse or
the trust should be beneficiary because it may not be  prudent to
pay off the mortgage at time of death.

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