Term Life Insurance To Protect Mortgage

Are you considering term life insurance to protect mortgage loan you have on your home?

Many Americans hope for the day they own their own home. If just may be the single biggest investment of your life. But, it also depends on a steady income to pay your mortgage each month. If something happens to one, or to both income-earners in your family, it may be difficult to pay your mortgage. How would your family get by?

Buying a level term life insurance policy can provide your family with the money they need to make their mortgage payments if you’re no longer alive to support them.

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If you die, your family might not be able to pay the mortgage. With a level term life insurance policy, the death benefit would provide the money necessary for your family to make the mortgage payments, and stay in their home.

There is mortgage protection insurance available, but many people choose term life insurance instead.

Why Should You Choose Term Life Insurance Instead of Mortgage Insurance?

A common approach to providing money to pay off a mortgage in if you die is to buy term life insurance. Term insurance offers you much lower premiums, but the amount of life insurance protection doesn’t decrease over time, as it usually does with mortgage protection insurance. That’s a big benefit for your family.

Which Type of Term Life Insurance to Choose?

The least expensive type of term insurance is decreasing term life insurance. The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage. If you only want protection for your mortgage, then decreasing term may be your best option.

Another option is level term life insurance. With level term your rates are guaranteed to remain the same over the policy term, and your death benefit remains the same, so your family has more proceeds available than just being able to pay off your mortgage.

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

Be A Clean, Green Shopping Machine

For many years, the economy in Australia consisted of products made by the people who lived here. Like many countries, goods and services have slowly been moving off shore due to cheaper employment and raw material costs in other countries. Today the market in Australia is flooded with products that come from all over the world. This has been great in some ways (cheap Japanese cars and out-of-season fruit, to name but a few) and the cheaper prices have made some purchases a lot easier on the pocket. In other ways it has been detrimental with local businesses being closed and a significant portion of manufacturing being moved overseas. We hear a lot about supporting local but what are the reasons for buying Australian-made compared to a (sometimes cheaper) import?
As a shopper, you might like to think of your purchases as a vote for what you consider appropriate behavior from the store you are buying from. If you think it’s reprehensible to test on animals (let’s face it, it is) then you wouldn’t buy from a store that doesn’t have a strong stance on this subject. If more people feel like you do and stop buying these types of products, the industry will listen and your ‘vote’ will help create a greener, cleaner, friendlier shopping environment – as you can see from the number of green and organic products beginning to surface today – a good sign consumers are moving in a positive direction!

After you’ve set your own moral compass for shopping you should consider adding supporting local business onto your list of requirements. If local businesses flourish, so will the local economy. Yes, buying local can cost a few extra dollars in some cases, but often the extra investment can purchase a product that’s made out of higher quality materials that will last a lot longer than their cheaper counterpart.

You may also want to consider supporting local when it comes to fruit and vegetable shopping. This will mean only buying seasonal fruit when it’s actually in season. Also, think of the cost and environmental impact of importing consumables like fruit and vegetables. If you’re buying off a local farmer, your goods have used less fuel to reach you and will often be much fresher.

Another green shopping method is buying items that are handmade. They can be more labour-intensive than mass-produced imports, but this often means they will be better quality, lasting you longer and lengthening the time before replacement is needed. This effectively reduces the cost in the long run anyway. For example, a craftsperson spends time honing their skills to make a handmade product. The process starts from ground zero and is completed with patience and practice. Only the best materials are used and a learned tradesperson has the know-how from years of experience, to create a long-wearing work of art.

Finally, try to source natural and organic products where you can. Shop for clothes that are made out of natural fabrics and beauty products that are organic and cruelty-free. Your purchasing decision will encourage slow-fashion companies that use natural, non-polluting fibers for manufacturing their clothing items. In making these choices, you can diminish the poor-quality clothes (or throwaway fashion) that are made out of synthetic fibers, which are bad for the environment and your health.

The same goes for beauty products. There are many local companies that manufacture organic, eco-friendly, and cruelty-free products, which are much better than the ones that are mass-produced and contain a wide range of chemical and toxic components. Organic products are great for your skin and body, are entirely safe to use from all points of view, and are not tested on animals, which means that they don’t have to suffer in the name of biped beauty. With this information in mind, we encourage you to go forth young grasshopper and become a sustainable shopper!

Servicing Your Air Conditioner Before Summer

If summer arrives as quickly as spring did, we’ll all need our air conditioners soon. Cold air is a modern luxury that many of us don’t want to do without during the hot summer months. Unless we properly maintain our air conditioning units, cool air may be a luxury we go without this summer. Here are four reasons to perform yearly maintenance on your air conditioner.
Efficiency: Time, age, and lack of use during the cold months cause air conditioners to wear down. Air vents and filters become clogged with dust and other debris. The result is a reduced ability for your air conditioner to circulate cold air throughout your house. In many cases, cool air may never reach the rooms in your home that are farthest from the unit.

Energy Costs: If your air conditioner isn’t running at maximum efficiency, you’ll be spending a lot more money this summer. If your Salt Lake City air conditioner is unmaintained, it uses more energy and runs longer than normal in order to cool your house. Added energy use and longer run times are most noticeable when it comes time to pay your electric bill.

Air Quality: In addition to cooling your home, your air conditioner is responsible for circulating air. Without proper maintenance, your air conditioner can’t do this effectively. Poor circulation leads to stagnant air as dust and moisture accumulate. Increased dust buildup occurs when air filtration systems are full or clogged and no longer filter air.

Safety: Poor air quality isn’t the only health concern caused by bad air conditioners. Each year, thousands of U.S. house fires are caused by air conditioners that are in a state of disrepair.

Each of these problems is preventable with a straightforward solution, annual maintenance. Hiring a certified technician to inspect and repair your air conditioner probably isn’t another bill you want to pay. However, yearly maintenance pays for itself in three ways, reduced energy costs, more efficient cooling, and increased air conditioner lifespan. A small investment now leads to big savings later.

It was mentioned in the beginning that summer is right around the corner. Don’t wait until the Salt Lake City summer hits to have your air conditioner inspected. Summer is the busiest time of year for technicians, and that means their availability goes down and their costs go up. Have your air conditioner inspected this spring and ensure that it’s ready to keep your house cool before the summer heat hits.