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There are different types of home mortgage life insurance as there is with all types of insurance. Over the past few years trends have changed with policy seekers.They have been more inclined to choose ROP or return of premium policies to act as mortgage term insurance. This is because traditional mortgage related policies don’t hold up as well as term life policies. Term life policies have found favor with the policy seekers as with a return of premium policy all your money comes back to you at the end of the term. So you can use the funds to pay off your mortgage at the end of it.