Life Insurance Company Policy 2019
You are not just leaving them your house; you’re also leaving them with the obligation to cover the mortgage: a sudden, unpredicted expenditure like this can destroy someone financially.
The only reasonable thing they would be able to do in times like this is to sell the house and pay off the mortgage loan with that money. Should you have a life insurance policy, it can be used to pay back the mortgage loan to make life a little easier for your heirs.
See also: What Does a Life Insurance Adjuster Do