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I bought job loss/disability and life insurance with my mortgage and life insurance at 30 is not insulting either.  In fact, I am actually considering looking into it next year... should haven listen to my brother when i was young. Oh well.

Put it this way, buying life insurance is never beneficial to the buyer, it is a protection for our loved one.  

I bought mortgage insurance simply I want to protect my family.  I believe if I die, the mortgage is paid off and should pass the asset to my parents.  Just a thought that I can leave something for them.

same as life insurance, it's another protection to my loved one.  I want to leave something to my parents if I pass away...

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insurance industry.. I am no expert but I believe they make 3 % off the payment ....

let say a regular car insurance, I think the agent make $50 off it.

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