Anyone with an mortgage loan to value at 80% or greater may need mortgage protection insurance. That means if you put down less than 20% on your home when you purchased it, you may need mortgage protection insurance.
In addition, there are mortgage life insurance policies that pay out a death benefit to your beneficiary (spouse or family member) so they can remain in your home if you die. They can use the death benefit to make the mortgage payments or pay off the mortgage loan.
These are two very different types of insurance policies. You only need mortgage life insurance if you do not already have a life insurance policy that is adequate to pay off the mortgage on your home.
Learn more about life insurance for mortgages