大家好 五月底打算还掉三分二贷款 请问Decreasing life cover是否需要改？还是跟以前一样？
不需要改保险内容，一直交保费出事了该赔多少就赔多少，不收你贷款余额的影响
我帮你问了ChatGPT，应该很清晰了：
If you pay off your mortgage earlier than planned, the payout from your decreasing term life insurance policy would still be based on the coverage amount specified in the policy, which is typically linked to the original mortgage amount.
The payout amount does not typically change in response to early mortgage repayment. Even if your mortgage balance is significantly lower or fully paid off, the life insurance policy’s coverage amount will continue to decrease based on the original terms of the policy.
For example, if your initial mortgage balance was $200,000 and your decreasing term life insurance policy was set to match that amount, the coverage amount would gradually decrease over time according to the policy’s schedule. If you pay off your mortgage early and the outstanding balance is, let’s say, $50,000, the life insurance policy would still provide coverage based on the original amount specified in the policy (i.e., $200,000 or the remaining scheduled coverage amount at that point in time).