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Since mortgage life insurance will help your spouse pay the mortgage if something happens to you, you will be able to protect your spouse from having to take on long work hours to pay off high mortgage payments or from having to sell the home altogether. If you fail to protect your spouse with mortgage life insurance, the stress of facing all of these issues in the event of your passing could lead to distress in other parts of your family's life.
You will need to make sure that you work with your mortgage insurance broker to determine how you should plan your coverage and how it will be implemented if something does happen to you. Knowing the specifics of your mortgage insurance contract, and how things will play out should the worst happen, will reduce the stress on your spouse and children.