I can't understand why people with debt and kids don't have life insurance! If I was to die I would hate that Dh would have to find the money to pay for my funeral - and still have to support a family - and visa versa.
I know sometimes it a case of not affording it but a $10000 cover just for funeral doesn't cost that much (now thats the banker in me talking

)
We have Life insurance (both me and Dh) Medical insurance (thru work) Wills (must admit was slow to set one of these up and only did it last year)