Is Mortgage Protection Insurance A Scam?

Two weeks ago I received an email from Jennifer L. of Dayton, OH who asked, “Is mortgage protection insurance a scam?” She and her husband recently purchased their first home… and they’ve been bombarded (as she put it) with mail solicitation for mortgage protection insurance, and she wanted to know if it was legit or just a scam. I know exactly what she’s talking about as I also purchase a home in September of last year and received the same bombardment of mail.