The only way to help a client truly navigate the complexities of mortgage insurance is to be open, honest and transparent. A lot of clients want "the lowest rate," and since insured rates are always the lowest, a lot of brokers stop the conversation there but that is not a full service to the client. The onus is on us, as mortgage professionals, to explain the differences between insured and conventional mortgages as well as to fully explain what mortgage insurance actually is! At the end of the day, every client should be presented with both options, fully costed out, so they can see the math on both sides and truly make the best decision for them and their families!