按揭人壽PPI？
按揭人壽PPI？
 If PPI means personal property insurance then no it is not mortgage life insurance. Life Insurance for mortgages is simply a life policy which the death benefit is equal to your mortgage amount. In the past, this life insurance which was a term product also decreased the benefit which would be close to what your balance is as you pay off the mortgage. Today, you can get a level benefit for the same cost. If you were to die before the mortgage was paid off the benefit goes to pay the remaining balance. On a decreasing term, that did not leave much left for your spouse unless you had another policy. With the level benefit, whatever is left after the balance is paid off would go to your heirs.
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