We like your thinking and believe that this may be an ideal time to consider term insurance. Term insurance works well in situations where you have a need for insurance that goes away with time. In this case, your mortgage will eventually be paid off and the insurance you have for that purpose will not be needed. Another advantage of term insurance is that it is relatively inexpensive. We’re always amazed at reactions when we give people an idea of how much coverage they can get for their premium dollar. Give the representatives at USAA a call at 877-699-2654. They should be able give you a quote and get you started toward acquiring this important protection.