I need an affordable mortgage life insurance. I am 62 and have a heart problem is under control with medication?

I also have stents in my arteries and heart. I need a $ 250,000 loan insurance gain 30YR. Our house had originally paid and I (the house was in my own name, not my husband) took $ 130,000 mortgage to finance their daughters in a business that failed. I thought I did not need the initial loan, mortgage insurance, but did not know until I took my second mortgage ($ 120,000) to pay other bills acquired by the company. Between 1 and 2 I have a loan and I do not know what to do now. My husband does not know the second loan. If anyone knows how to improve please let me know. I do not want to die and leave my husband for two mortgages to pay.

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