I am licensed in 27 states and help families keep their home if the worst happens. Find your state below.
The honest answer is that it depends on a few things, and none of them is a mystery. Your cost is driven by your age, your health, the size of your mortgage (that is your coverage amount), the length of the term, and whether you use tobacco. A healthy person in their 30s covering a typical mortgage often pays far less per month than they expect, frequently in the range of a streaming subscription or two, while older applicants or larger balances cost more. There are no guaranteed rates, and the only way to know your number is a quick quote, but the point is this: for most families it is more affordable than they assume.
One thing worth knowing: the mortgage protection a bank or lender offers you by mail is often more expensive and pays the lender, not your family. A policy you own, shopped across multiple carriers, usually costs less and puts the money in your family's hands to use however they need, whether that is paying off the home or keeping the lights on while they regroup.