A person's home is often the largest investment they will make in their lifetime.  The cost of mortgage life insurance on a stand-alone basis is very expensive....i.e.

Male 32 and female 32 for 500,000 of non-smoker coverage is only $25.00 to $30.00 per month.

With mortgage life insurance if, a major breadwinner dies the home may need to be sold at the most inopportune time.  The other risk to consider is if a major breadwinner is disabled or diagnosed with a serious or critical illness.

Below is a case study that discusses disability income replacement and critical illness coverage.