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If you dump the coverage, maybe still put those payments in something else? Pre-investing days, when we paid off our mortgage, we continued putting the mortgage payments into a savings account. I don't trust insurance companies either, except for life insurance. They can't dispute you are...

Rob and I have term life insurnace, which will pay out $1 mil each. For this, we pay a total of $2300 a year. This is enough to pay off our debt. At the end of this term life, we will reassess, and see if we want to extend. Our rentals are CF+, so income isn't a concern for us...