There are ways to get coverage other than your job. If you were using me as your agent I could make arrangements for you to be covered.
Many companies are offering a job loss prevention policy that would pay your mortgage should you find yourself out of work. However you better wear good glasses when you read the small print. Be careful and be informed. Don't take anyone's word for this policy. Read it. Have a friend read it and then read it again. Know what you are signing.
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