I agree with you on one point -Creditor Insurance is better than nothing, but I still refuse to sell an inferior product when a better solution is just 10 feet down the hall from me.

Run a quote on 10 year term life, and see what the next renewal premiums will cost you.
everything has a cost and 20, 30 year term product comes with a price as does renewal on any term policy.
Run a quote or try and qualify for disability insurance, let alone try and pay the premium for a stand alone policy.

If you are a good broker then you should be selling this product at time of sale if any of your clients do not have any insurance at time of doing their mortgage. as it takes time to underwrite and while someone looks healthy to you, you do not know what someones medical history is. creditor insurance has its knockout questions, but they tend to be far easier to qualify for than typical life and undeniably easier than personal disability. if your client decides to get life and many do not, and does qualify, it could 3 mths before he gets his policy in hand. If the client does not qualify for personal life policy, but may have qualified for creditor, so which policy in your mind is the right thing to have sold.

so when you fail to offer protection to your young family scenario, and they walk out of your office and never follow up with the life agent, and somehow end up not to be able to work due to illness or accident and lose their home, you should not feel that good that you have never sold a policy. Even a simple life creditor life policy will offer extreme value to a spouse with young kids, having a large debt paid for and a roof over their head. and considering that after 5 years of mortgage payments, one pays very little principal, so if at worst one has a paid off mortgage, in the event of a tragedy, they should count themselves lucky you were there to offer creditor insurance

You should do the right thing, advise of the differences between policies and coverages but make sure they are protected.