If a person has a mortgage on their home, chances are good they also have mortgage insurance. The idea is that if they should become seriously ill or die before paying off the mortgage, the coverage will kick in and pay it off for them. The reality falls a little short of that. In this Marketplace investigation, we meet two families who bought the coverage and thought they were protected, only to have their claims denied when they became sick or died. In each case, the insurer said the applicant had lied on their initial application form. As Erica Johnson reports, the bank staffers selling mortgage insurance are unlicenced and rarely trained to explain the details and legalities of those insurance products.