Should I Die Before I Wake...

I know, that title is morbid right?  It's something, as a parent, that has to be considered though.

When we were newly married and had our first child, we went right out and got a term life insurance quote in the event something happened to both of us. We bought that term life insurance policy.  Since then, we've also added a regular life insurance policy on top of the term life. We have to make sure our children will be financially taken care of should something happen to us.  It'd be a huge burden to put on my sister - the financial burden - as guardian of our children.  So, we've made sure they'll be well-cared for financially with our life insurance and emotionally because my sister just adores my kids. 

Have you thought about life insurance?  It really doesn't cost that much for a decent policy.