It seems to me like we live in the notion of what if ? And by that I mean that we use whatever means necessary to protect ourselves from the unexpected.
I for example have car insurance, health insurance and most recently mortgage protection insurance. A terrible accident or a sudden sickness can happen to anyone. Having mortgage protection dosn’t have to be expensive and it all comes down to who you talk to. I did my research before I decided on a company and I shopped around to get the best available price. I was amazed at the different price quotes I received. Be patient and you can find the best price for your situation as well.