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.

Servicing Your Air Conditioner Before Summer

If summer arrives as quickly as spring did, we’ll all need our air conditioners soon. Cold air is a modern luxury that many of us don’t want to do without during the hot summer months. Unless we properly maintain our air conditioning units, cool air may be a luxury we go without this summer. Here are four reasons to perform yearly maintenance on your air conditioner.
Efficiency: Time, age, and lack of use during the cold months cause air conditioners to wear down. Air vents and filters become clogged with dust and other debris. The result is a reduced ability for your air conditioner to circulate cold air throughout your house. In many cases, cool air may never reach the rooms in your home that are farthest from the unit.

Energy Costs: If your air conditioner isn’t running at maximum efficiency, you’ll be spending a lot more money this summer. If your Salt Lake City air conditioner is unmaintained, it uses more energy and runs longer than normal in order to cool your house. Added energy use and longer run times are most noticeable when it comes time to pay your electric bill.

Air Quality: In addition to cooling your home, your air conditioner is responsible for circulating air. Without proper maintenance, your air conditioner can’t do this effectively. Poor circulation leads to stagnant air as dust and moisture accumulate. Increased dust buildup occurs when air filtration systems are full or clogged and no longer filter air.

Safety: Poor air quality isn’t the only health concern caused by bad air conditioners. Each year, thousands of U.S. house fires are caused by air conditioners that are in a state of disrepair.

Each of these problems is preventable with a straightforward solution, annual maintenance. Hiring a certified technician to inspect and repair your air conditioner probably isn’t another bill you want to pay. However, yearly maintenance pays for itself in three ways, reduced energy costs, more efficient cooling, and increased air conditioner lifespan. A small investment now leads to big savings later.

It was mentioned in the beginning that summer is right around the corner. Don’t wait until the Salt Lake City summer hits to have your air conditioner inspected. Summer is the busiest time of year for technicians, and that means their availability goes down and their costs go up. Have your air conditioner inspected this spring and ensure that it’s ready to keep your house cool before the summer heat hits.