If you were still paying for your home (mortgage), and suddenly something bad happens to you (a freak accident, or something)...what do you think will happen? Honestly, if faced with such a tragedy, I wouldn't know what to do! I wouldn't want that to happen to me, to my son, to a loved one, to a friend, or even to a complete stranger! Good thing theres mortgage life insurance wherein all your mortgage debts will be paid once something really bad happens to you. I think that's a great security back-up. You know, just in case ... but I honestly don't want to dwell on such dark and gloomy thoughts this early morning!