Direct amortization + pillar 3a vs Indirect amortization? And Life insurance necessary?

[Snipy]

@Daniel

Si vous avez un prêt immobilier, il est essentiel que le revenu du foyer respecte toujours les exigences d’accessibilité après un décès. L’assurance vie temporaire peut être utilisée pour réduire le montant hypothécaire en cours, diminuant ainsi les exigences d’accessibilité à un niveau accessible par un seul revenu.

@Daniel

If you have a mortgage, then it is essential that household income would still meet affordability requirements after a death. Term life insurance can be used to lower the outstanding mortgage, thus reducing affordability requirements to a level that one income earner can reach.

That was actually my topic (well, a Mustachian member shared it with me ). We also each have an emergency fund that can be used to pay off part of the mortgage / reduce the outstanding mortage.

Thank you all !