Which could mean it's hit with a substantial whack ofInheritance Tax if you die your home mortgage life insurance policy develops component of your estate. In a lot of cases it's feasible to prevent this by writing the plan in depend on, if it's done at the time the plan is secured. If your costs are guaranteed, your insurance firm will never ever alter the cost, so you'll recognize what you'll be paying over the life of the plan. Reviewable premiums, on the other hand, expense much less in the beginning, but your insurer can hike costs in the future, implying an economical bargain can potentially end up being pricey as you age.