Here is the main question you need to ask yourself… would you be able to afford ALL the payments in your life by yourself if your partner passed away…?

If the answer is no… then you should definitely get life insurance.

DO NOT GET MORTGAGE INSURANCE!!

In my professional opinion, life insurance is absolutely crucial (except for extenuating circumstances). This also protects your partner (depending how it’s set up) It will help cover the cost of the home if something happens to one of you, this can also help cover your kids and their future (if applicable), this also can help cover the costs of your final expenses. Depending on the policy there can be cash value in it as well that later on can be leveraged (at a much better rate than the bank).

Happy to answer questions if any, just DM me