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.

Get a Free Quote for Mortgage Life Insurance

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.

Lexington, Kentucky Roof Contractor & Window Installation Services

Is it time for new or replacement windows and roofing?
The weather in Lexington, Kentucky can be unforgiving, leaving residents and business owners to scramble at the last minute to resolve issues with their roof or windows.

How do we perform roof and window restoration services?

Home and business owners in the Lexington, KY area will delight in our restoration process. The first step is showing off samples to the property owner to get their approval. After all, the last thing that we want to do is install windows or roof shingles that don’t match your tastes. Our second step is meeting the quality requirements set forth by the client. For this portion of the job, we need to ask questions about the longevity of the materials that will be used. Thus, if the customer decides to save money on roofing materials or windows, we can deliver something that will last with a good warranty. But, for those that want to spend the extra cash for the additional value; we can provide amazing materials with a great warranty. Although every job that we complete uses sturdy and UV-protected materials, spending a bit of extra money will always result in greater longevity.

When is the best time to have your roof or windows inspected?

We have found that the spring and fall months are the ideal time to look at your roof and windows in Lexington. It is during this period that the Kentucky weather staves off enough for our licensed contractors to come out and inspect residential or commercial properties. Regardless of the time of year or the weather, our team is experienced enough to know when your home or business needs aggressive upgrades.

What do you get with a replacement roof and windows package?

When you sit down with our project planner at your property or our offices in Kentucky no detail is left to chance. Therefore, if your goal is to save money, then our licensed window and roof contractors in Lexington will only show you options that make sense for your price range. Although we always attempt to save money for all clients, it is vital to note that safety and security are sincere concerns for our team. Therefore, we will always sell you something that will be able to stand up to the elements along with attempted theft or vandalism. So, whether you want the most deluxe windows and frames in the state or a roof that will last over 30 years, our experienced contractors will ensure that your home is adequately protected.

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.