# What is the down side of signing a mortgage I won't live to pay off? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [February 20, 2014, 2:35pm UTC](https://boards.straightdope.com/t/what-is-the-down-side-of-signing-a-mortgage-i-wont-live-to-pay-off/681789 "2014-02-20T14:35:35Z")\ **Posts on this page:** 1\ **Showing post:** 40
**Author:** ![Boyo\_Jim](https://avatars.discourse-cdn.com/v4/letter/b/87869e/32.png) [@Boyo\_Jim](https://boards.straightdope.com/u/Boyo_Jim)\ **Post date:** [February 21, 2014, 8:10pm UTC](https://boards.straightdope.com/t/what-is-the-down-side-of-signing-a-mortgage-i-wont-live-to-pay-off/681789/40 "2014-02-21T20:10:18Z")
> [@Shalmanese](#): > > If you truly have no dependents of any kind, then you ideally want to end your life with zero or slightly negative assets. The problem being, this is tricky to plan for if your time of death is unknown. Fortunately, there’s a financial instrument that’s designed for this called a [Life annuity](http://en.wikipedia.org/wiki/Life_annuity). It’s possible that structuring a life annuity correctly could leave you with lower payments than your mortgage payment. You should speak to a financial advisor and see if something like this is possible. What’s the downside of dying 10 million dollars in debt as opposed to 10 dollars? If someone would lend me 10 million, I could kill myself on hookers and blow rather than die a slow death after a stroke or cancer. --- _[View the full topic](https://boards.straightdope.com/t/what-is-the-down-side-of-signing-a-mortgage-i-wont-live-to-pay-off/681789)._