mortgage life protection

I heard about the benefits of getting mortgage life insurance from radio station today. It was about the protection for family in case of someone got a misfortune such as accident or whatever who are still paying the housing loan, the insurance company will pay off the housing loan for that person. Don’t you think that’s good for our children? At least they own a house which was paid by the insurance company. Maybe I should get  the mortgage life insurance quotes from various insurance company for comparision before I make the decision…