You can Customize a Plan to Fit Your Needs
Insurance from your lender covers solely the balance of your loan, for as long as the loan remains, and does not cover any other financial obligations. While a mortgage can be a very significant financial responsibility; it’s by no means the only one.
Getting insured independently of your lender gives you the flexibility and control to make your insurance policy work for you. You can decide what parts of your life are worth protecting, not just your mortgage.