We have. I’m not sure I did at first, as mortgage was only in my name, and like you had death benefits (not really like friends with benefits) through work, but after marriage set it up independently. Since then of course I’m no longer with the same work (not really with any) so getting a scheme set up early was quite handy.
At the moment it’s paid up to take care of children, but with one off to university and other lining up to do “something” there will come a time when its not needed. Need to chat with IFA in a little while so I’m sure they will raise the question “why”.
Oh and as for the will, when I bought first flat, through my quite wise uncle, he drew up a will – any will will do really – and arranged the mortgage on the basis I got a will in place.. I was 20…
And as for the will, yes it sets up guardians for the children, expression of wish how they should be brought up (again, guardian style), plus we have power of attorney over each other should end up in dire health..