Insurance brokers usually love to sell whole life. This is insurance with a cash value attached. Mortgage holders also love to sell special mortgage insurance that pays off your real estate loan in the event of your death. You are usually better of passing on both of these offers. The extra money spent on whole life insurance can usually be invested in other savings much more profitably.
Mortgage insurance is nothing more then more expensive term insurance.
You can obtain your own term policy and use the funds to pay off the loan yourself if that's what you choose to do. Medical bills can quickly total beyond the financial reach of most people in the event of a medical problem. Without coverage you risk losing everything. No matter what insurance you obtain, it is a good idea to always try and take the highest deductible plan that you can possibly afford. High deductibles keep the cost of coverage low and also reduce the hassle associated with filing small claims.