So What is a Mortgage?
Most home buyers have to borrow money in order to purchase their home. Few have enough money sitting in the bank, or in other easily saleable assets, to pay the entire cost of the home at once. (Even those few who do have enough money usually find it financially advantageous – perhaps for extra tax relief — to borrow some of the money.) The home loan they receive is called a “mortgage.” Generally, a mortgage is a loan of money to the home owner secured by a “lien” on the real estate. (http://real-estate-law.freeadvice.com/mortgage_matters/mortgage.htm)

Tips
I Found This Article which gives a couple good Tips on how to Produce a nice Mortgage/ Broker Web Site.

What is Insurance

Definition: the act, system, or business of insuring property, life, one’s person, etc., against loss or harm arising in specified contingencies, as fire, accident, death, disablement, or the like, in consideration of a payment proportionate to the risk involved. 

Types of Insurance (With High PPC Value)
Auto Insurance or Car Insurance
Health Insurance
Home Insurance
Life Insurance 
Travel Insurance 

Notes
Insurance is a very competitive subject on the Internet, and even Sub-Niches such as Auto Insurance, Health Insurance, etc. are terribly competitive. For this reason it would be very hard to build a site around any of these Keywords. However, if you did manage to successfully promote a site on any of the keywords above you could recieve a very fair ammount of money. If you are not willing to put in the very large effort to buiild a site on the keywords above you can always specifiy the niche. An example of this would be, instead of Travel Insurance, create a Web Site on Travel Insurance Companies based in Denver, Colorado. You will not recieve a diversity of hits  since it is a specified niche, however, the more unique the site, the easier it will be to achieve a higher Search Engine Position, and you will be able to see progress quicker than with a larger scale site..