Universal Life is more mechanical, meaning that whatever they make is what they credit to the policy's cash value.

I'm not sure what other kind of liens I would have to be concerned with if it is indeed the first mortgage that is being foreclosed since it wipes out junior liens (2nds, mechanics, etc).

However, I would hate for you to get stuck in a position where he says you are in breach of contract and puts a mechanics lien on your house. 

The emphasis of the post I was trying to make was that people should think about being a blessing while they’re still alive and I do agree that some charities even though they are under that banner are not all what they are cracked up to be.

Elevator mechanic. $40-$65/hr with benefits after an apprenticeship.

If they already completed the work according to the contract then you have to pay them, otherwise they can put a mechanic's lien on your property.

Hey Patti,I deal with this every single day especially here in South Florida, and YES the insurance will be MUCH higher due to older mechanical/electrical/plumbing.

It’s literally a death trap without proper fire egress and code compliant mechanicals. 

I'll help them figure out the mechanism that will work best for them but the monthly on-time part is up to them. 

We are adding forced appreciation through the renovations and the property will look unrecognizable when we are done in addition to all of the updated mechanicals.