Work From Home Insurance Jobs – Nothing is certain but death and taxes

Work From Home Insurance Jobs
Question by CarolinaMom: What type of home-owners insurance will pay off my mortgage if I die or lose my job?
Best answer:
Answer by acermill
No homeowners insurance will do that. You would need a separate mortgage insurance policy covering those issues.
What do you think? Answer below!
Nothing is certain but death and taxes
Image by J. Star
…and change.
It’s been such a lousy week. We have been planning since May or so to move, and there have been the most unbelievable ups and downs associated with this decision. Just at the point when we were ready to give up and take our house off the market (someday it will be funny that we tried to sell our house during the worst housing slump in decades), the woman whose house we had been planning to buy made an offer on *our* house. So all these galloping plans have been put into place, and loan applications sent in, fees paid, inspections done, contracts written up, appraisals made, packing started…
…and today we found out some crummy news that is possibly going to wreck the whole deal. Trouble is, we won’t know for certain until next week. Our closing was tentatively set for November 2, contingent upon whether we can get past the giant bump in the road that came up today.
Maybe this wouldn’t be so stressful if I weren’t almost 8 months pregnant. I don’t know. To not know, at this point in my pregnancy, where I am going to be living when I bring my child home from the hospital, is…bleh. There aren’t really words to describe how all this has thrown me. My nesting instinct is pretty much shredding itself to bits in my head right now.
In other news, my grandmother was on her deathbed last week but made a miraculous recovery, my pregant cousin had her appendix burst a few days ago, my aunt found out this week that she has breast cancer, my husband got put on a different shift at work, and we found out our insurance provider will be changing on the first of the year.
Not to mention my job, which seems to be doing its best lately to bring me to the point of utter and complete mental exhaustion.
I’m sure this will look better in the morning. At 5:35 a.m. though, it’s not so good.
I’m putting up this old, cold picture because before I woke up an hour and a half ago, I was dreaming about sitting in my parents’ kitchen and looking out the window at falling snow.
Must. Stay. Positive.

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Homeowners insurance cannot do this. But life insurance is a nice solution! Buy a term life policy for the amount of your home (or mortgage) and name your significant other (or a parent, or whoever woud inherit the house) as the beneficiary. If you pass away, and they’re stuck with the house + the mortgage, the life insurance policy will fund the payment in full.
None. Life insurance will pay if you die. But nothing pays if you lose your job – you just have to plan for that. It happens, ya know!!
People try to sneak credit life insurance into car loans (had than happen more than once, but caught it) and try to entice you into it for credit cards. But I have not heard of credit life insurance for a mortgage (although, it may exist).
Regular life insurance would make more sense and likely less costly. Credit life insurance only pays what you owe, but regular life insurance pays a set amount regardless.
Life insurance pays if you die. No insurance is going to cover you against loss of income.
No homeowner’s insurance will pay for that. You will need life insurance. Also there is no plan that will pay your mortgage if you lose your job.
Nothing will pay off your mortgage if you lose your job, but mortgage protection life insurance will cover it if you die. Mortgage protection life insurance is a type of term life insurance that covers you for a certain number of years, often the same number of years as are remaining your mortgage. The death benefit coincides with the mortgage amount, so that the policy will pay off the balance of the mortgage should you die before the loan is paid off. If the mortgage balance is less than the death benefit, then the additional money will still be paid to the beneficiary. Typically, the policy has a guaranteed, or set, premium. A variation of mortgage protection life insurance is known as mortgage cancellation insurance. It also is a term life insurance policy payable upon the death of the borrower, however, instead of paying a set benefit, it covers the declining balance of a home loan.
…
don’t know what to say..
be strong!
:*
Wow … that’s some week. 🙁 I’m sorry to hear it’s been so overwhelming. I hope the bump in the road is only a small one.
You uploaded such a beautiful pic though – really stunning!
Damn. That’s way more than you should have deal with right now, as pregnant as you are! I’m really sorry. Try not to stress out too much (I know, that’s such lame advice) so as not to stress out the little one. We’re going through the house issues now; moving in a week without having sold our house first because of the horrible market, as you said. Two mortgages is gonna be super fun! *puke*
I’ll be thinking of you and hoping that everything works out exactly as it should. xo.
I love you! Think of each stressful thing as an opportunity to show your sweet little baby how to practice patience and perseverance.
damn woman. I really hope everything works out and I’m sorry for such a shit week. I hope you got some sleep and things do look better today.
Good luck, Ms. Star. Think beyond the problem, you’ll have a new baby, a new house, and a New Year.
Love the picture. I’ll put in some prayers for your J. I know things will work out in the end.
I’ve moved during 2 pregnancies and can empathize so much. That and having a loved one hospitalized this week, too, and a friend’s husband die suddenly recently. Is there something in the air? Wishing you peace during what I always called the "happy Buddha" phase of your pregnancy.
Dang.
*hugs*
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Hang in there! The house thing, while a huge headache right now, will be nothing but a bad memory in a year, whereas the mini-Star will be running around like a wild woman.
Just put in a "brown recluse" clause in the contract, though. I know I will next time I move… (so far, its spiders 0, Ed 20).
This is beautiful!
I hope things start to settle down, for you, and go smoothly.
: )
J. – Even if Dave’s effort doesn’t cheer you up, it certain gave me a laugh.
I’m sure you’re tough and steely enough to get through all this. And, yes … you’ll laugh someday about a lot more than trying to sell your house in a word-class housing slump.
jb
lol at all the awards from David – how can you worry about life when you have a Maggi Schnaps Award 🙂
have a hug!!
My god, Teter’s comment is out of control. Now I’m distracted.
I have a mantra…. "things will work out, because they have to." I don’t know what else to tell you. And, you will have some faboulous "look kid, do you want to hear what we went through before we had you?" stories. I know a girl who scheduled her movers for two days before she was due. I asked her what exactly she was going to do if her water broke early, and she said, "oh, A (her husband) will have to take care of it then." I asked her if she didn’t want him at the hospital holding her hand, and she told me she hadn’t thought about that. You will figure it out, becuase you’re not totally out to lunch, at it will be fine.
And, you know, I have a mean air mattress here in Montreal if you need somewhere to crash.
J – any one of those things would be stressful, but all at once? That’s just fuckin’ nuts. Just remember that no matter where you are or what you are doing, little star will be coming into this world with an amazing mama who loves her very much and that is the best thing any baby girl can have.
Oh man….that sucks. I’ll be keeping you in my thoughts and prayers, okay?
I deleted my previous hard luck story comment because I re-read it and felt like it was not the right thing to post soooo- instead of a ‘life sucks but it is worth it’ I will give you a more optimistic ‘I hope things improve because you and yours deserve it’- and that is such a beautiful picture. Snow helps, doesn’t it?
Dang you guys, thanks so much…I think I did just bust a gut laughing. My favorite is the horse-drawn car on a pot roast…OMG, i got heartburn so bad just now laughing at that. Teter, you can always pull one out of the bag and make me lol… : )
Beyond the funny, I really do appreciate all the kind words. It’s much easier to have perspective at 3 in the afternoon than 5 in the morning. At least my cousin and grandma didn’t die; at least we will have a roof over our heads; at least we have this huge exciting wonderful thing to look forward to in about a month and a week 🙂 And of course, at least things aren’t always like this. Life is generally pretty darn good. Just have to let the stresses roll off.
Thanks again everyone. You all are the best.
J
xo.
Gah! I’m so sorry — I hope this curse lifts soon!
Take a long hot bath and drink a soothing cup of tea.
{{hugs}}
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Seen in my contacts’ photos. (?)
Sucks now … will be a great story later …..
remember stress kills … but don’t let that stress you 😉
whew, took five minutes to get down here to the comment box today!
I forgot what I was gonna say now…
something about frustration. death, taxes and frustration!
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"they" say "that which does not kill you can only make you stronger," i’d really like to know who "they" are and kick their asses. =p
i can’t compete with all the flashy awards and whatnot, but i can send positive vibes your way…
what a tale you have! i’m wishing you all you need to have a perfect place to be when your babe is presented to you~
this photo is a beauty!
Yikes! First of all talk about iconic awards! I almost didn’t bother to scroll for a post… but felt compelled. My boys are 11 and 12. Both were pregnancies and births from hell in certain ways of things going on, etc. Nothing is perfect and if you can withstand pregnancy, childbirth and all that life throws at you in the mean time…on top of it all. You will survive as a mom (specially during the preteen years)… a good juggler and multitasker and keeper of all hearts
Hey! Have a fun ride, it has only begun. I honestly feel your pain and wish the best for all that is happening in your life
BUT!!!! So very much worth the pain, I guarantee you 😉
Ha! davidteter. both… not sure which was worse 😉
I was however talking about parenthood
I really hope things work out for you. It’s going to be great in your new house. stay strong!
YES! STAY POSITIVE!!! You currently have a roof over your head, your child is still safe, and your family is STILL alive! I’m in recovery for a brain aneurysm surgery early this year. I have lost my short term memory, and my 16 year job due to this. Life goes on. Keep your chin up!!
Looking forward to seeing pics of the new one down the road.
BTW … love this image … faved!
Excellence in Sepia Toned Photography? C’mon!!!! I don’t see no stinkin’ sepia tone here!!!
Hang in there…
*hug*
Jstar-
Sorry to hear things are do down and out for you. I too have a aunt who found out this summer she has breast cancer. This after a year ago loosing another aunt to a brain tumor. I have been there before with numerous family health issues, my own, close friends just found out their home sale fell through, and work dramas and exhaustion right after the other.
Depression sucks but know You are Not Alone!
Hold onto what you have dear to you. This works for me when my times are tough.
*gives you and your daughter a big hug*
Lol, my computer has a meltdown when I try to load this photo page 🙂
I just wanted to say thanks again to everyone for your kind comments. Our house situation is still not resolved, which is beyond maddening, but some other things are better. It’s been good to know I have friends who can support me in this time of crazed suckitude. Hopefully, by Monday, I will know where I’ll be living and can at least either finish packing and move, or unpack everything I’ve already packed and settle back into this house. I don’t even care where I live at this point, but to hang in limbo and not know for so long has really driven me around the bend. (And no, it wasn’t a far trip, har har).
So thank you again to everyone for all your support!
J
Hang in there…keep that chin up high. That coming child is more to be happy and content about. Always a pleasure to see your photos.
hey Jay!
I am sending you a big hug right now, cause that’s what I wish I could give you instead of a comment…. can you feel it?….. the hug?…….. good 🙂
lordie be, i’m late here, but sending you hugs and <3, m’dear.
Simply gorgeous!
You are sooo right …
Very pretty picture. Good luck on the house stuff.