The Best Mortgage Protection Insurance is the policy that you can afford to keep over the entire term of the policy. It's also the policy that's issued by an insurer rated A or higher by the insurance rating company A.M. Best. Buying the Best Mortgage Protection Insurance isn’t just about the affordability of the initial premium, because if you can’t afford to keep the policy, then you'll need to get a new one when you're older—this policy will be more expensive. If you buy a policy from a company that is not highly rated by A.M. Best, then the insurance company may not be financially sound, which means they might not be able to pay your death claim when it occurs.

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