text: I am in insurance agent and the company I work for specializes in Life and Health... In my honest opinion I would recomend that you consider getting some kind of insurance to pay off your mortage if you die and something to cover you funeral.  Term insurnace is good for your mortage (select a term lenght that is as long as your mortage ie. 10 or 20 yrs and an amount that is the cost of you mortage)  The coverage ends at then end of your term and you get nothing back but you have the peice of mind that if you die your loved ones dont have to sell your house for less than what it is worth.  A small whole life is good for funeral expenses and with whole life you pay a little more but you can have it forever and if you ever get into a financial bind you can borrow from it usually 10 or 15k is enough for a funeral depending on where you live.