paying a loan

I was married this year. I am 56 & my husband is 70. Last year he took out a loan for $64,000 using his house in NY as collateral. I own a double trailer in Florida. I do not work as he needs someone with him most of the time. His son is renting the house in NY from us and when my husband dies the house has been left to him. My problem is that when my husband dies this loan payment is way over my head and even the life insurance policy won't cover it. When he took out the loan he was told that he could go through his homeowners policy to get insurance that would pay this debt if he died. He never asked again. when we married I checked and his insurance said the loan company should carry that and his insurance does not. I don't want this house taken away from his son and his son should not be responsible for this debt. I don't even know who to talk to about this but I need to find an answer somewhere. Please give me some guidance.
wrota

[JETX]

Since the house is the security for the loan, in the event of failure to pay, the lender can take possession of the security (the house). So, you will need to come up with some way to be able to meet the note payments in the event of his death. This could be done by either making the payments for the full loan, or by mortgage insurance to cover payment in the event of death (some of the most expensive insurance you can get!), or by a separate death insurance policy (much cheaper), or by selling the house at the time of death.

You will need to decide which of the above fits your needs.