Term Life Insurance To Protect Mortgage

Are you considering term life insurance to protect mortgage loan you have on your home?

Many Americans hope for the day they own their own home. If just may be the single biggest investment of your life. But, it also depends on a steady income to pay your mortgage each month. If something happens to one, or to both income-earners in your family, it may be difficult to pay your mortgage. How would your family get by?

Buying a level term life insurance policy can provide your family with the money they need to make their mortgage payments if you’re no longer alive to support them.

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If you die, your family might not be able to pay the mortgage. With a level term life insurance policy, the death benefit would provide the money necessary for your family to make the mortgage payments, and stay in their home.

There is mortgage protection insurance available, but many people choose term life insurance instead.

Why Should You Choose Term Life Insurance Instead of Mortgage Insurance?

A common approach to providing money to pay off a mortgage in if you die is to buy term life insurance. Term insurance offers you much lower premiums, but the amount of life insurance protection doesn’t decrease over time, as it usually does with mortgage protection insurance. That’s a big benefit for your family.

Which Type of Term Life Insurance to Choose?

The least expensive type of term insurance is decreasing term life insurance. The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage. If you only want protection for your mortgage, then decreasing term may be your best option.

Another option is level term life insurance. With level term your rates are guaranteed to remain the same over the policy term, and your death benefit remains the same, so your family has more proceeds available than just being able to pay off your mortgage.

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

Types of Wood Siding Available for Homeowners

When building your home, even the smallest decision could make a world of difference in what it ultimately looks like. This is also true when undertaking an exterior redesign project. Siding, among other key characteristics, is one of those big decisions that could entirely alter your home’s exterior appeal based on your decision.
Although plastic siding has become a popular option in recent years due to pricing, traditional wood siding remains the preference for many homeowners. This is because wood siding offers customers numerous benefits over their plastic counterparts. Benefits include:

• Wood siding is eco-friendlier than plastic

• Wood is more aesthetically appealing

• Many types of wood are naturally resistant to mold, mildew, and rot, which allows the home owner less maintenance

• Wood lasts longer

• …And much more

One of the main benefits is that wood naturally takes to paint, stains, and other decorative options incredibly well. Plastic, on the other hand, often must be crafted in the customer’s color choice – meaning that options are limited. Once decided upon a type of wood siding, however, you can then choose any type of finish. Whether you want to paint your home the colors of the rainbow, or opt for a natural dark wood stain, anything is possible. Below we look at four of the most commonly used types of siding available: board and batten siding, bevel, tongue and groove, and lap siding. Each has their own aesthetic appeal so that there is something for every person’s unique tastes.

Board and Batten Siding

Board and batten siding is a vertical design created by using two different sized boards. The wider boards are set beneath, while the narrower boards are placed atop the joins. These narrower boards are called ‘battens.’ There are no set widths, so homeowners can choose their preference. The most commonly used measurements, however, are 1 inch by 3 inch battens placed over 1 inch by 10 inch boards.

Bevel Siding

Bevel siding is the most commonly used siding. Installed horizontally, boards are cut at an angle so that one side is thicker than the others. This creates a shingle effect, or the appearance that the boards are overlapping one another. Tongue and Groove Siding Tongue and groove siding is incredibly versatile. Available in both rough and smooth board finishes, it is fitted together tightly to give a sleek appearance. It can be installed in any direction, which does not only include horizontal and vertical, but also diagonal.

Lap Siding

Lap Siding is also known as Channel siding. This siding is very versatile, with installation capabilities for any direction (like the above tongue and groove siding). This unique siding features boards which partially overlap one another, and the ultimate results are a rustic appearance like those of a hunting cabin. If you’re interested in learning even more about wood siding -including less commonly used types available – you can contact your local siding specialist or construction expert. They will be able to give you more detailed information, including a price estimate for your area.

The Benefits of Hiring a Plumber with a Master License

Like any profession, the knowledge and experience needed to become a master plumber are extensive. Obtaining a master plumber’s license is a journey that begins as most professions do, with an education. In a trade or vocational school, plumbing education typically takes two years. During this time, prospective plumbers learn the ins and outs of proper tool use, pipe systems, and safe practice. Alternatively, this knowledge can be learned through an apprenticeship with an existing plumbing business, also requiring a minimum of two years.
Once an education has been completed, plumbers are required to work for in the trade for several years before they can take the journeyman exam. This licensure exam extensively tests a plumber’s knowledge plumbing codes, practices, and general knowledge. By successfully passing the exam, plumbers are licensed at the journeyman level.

Becoming a master plumber in Salt Lake City requires more knowledge and work experience. Though it varies state by state, most states require plumbers to have a minimum of one year experience working at the journeyman level. The total amount of work experience is required to have taken place within ten years before applying for the master’s level exam. This requirement ensures that plumbers’ knowledge and experience is not recent and up to date. Just like the journeyman exam, the master’s level exam thoroughly tests plumbers on their knowledge and experience. Finally, if this exam is passed, a plumber will receive their license indicating that they are a master plumber.

With the amount of time, dedication, knowledge, and experience it takes to become a master plumber, you can be sure that, by hiring one, you’re in good hands. In addition to working with a variety of systems, master plumbers know and understand their state’s building codes. Master plumbers are also able to interpret blueprints for plumbing systems as well as perform the design work themselves.

When you’re in need of a plumber in Utah, there’s no reason to settle for anything less than a master. Many states require master plumbers to renew their license every two years. Before hiring a plumber, inquiring into their licensure is a good way to ensure that you’re hiring a qualified professional. Additionally, licensing boards often have registries listing licensed plumbers, which can be accessed online. Whether you’re in need of minor plumbing repairs or a complete rework, hiring a master plumber is the best way to ensure that the job is done right.