I just sat down and I though if I died how much would my wife need not to have to work while she looked after the kids, as she’d be a single parent.
Joint insure for that, as if your wife died you’d then also be a single parent.
And if you both die who’ll look after the children, make sure they’ve enough cash to not have to work – as they are now looking after your children.
We then just got a basic death policy to cover – cheaper when you are young too. The mortgage, when we had one, was also covered, and I’d 4x my salary from work too.