All this talk of wills and such got me thinking. Do you have life insurance? Why? Why not? Is it just life insurance through your super, or is it a private policy? How much did you aim for it to cover? (Ie, all your debts, more, less???) Hubby is insured through super. Being a SAHM, I pretty much have no super and am not eligible for cover through it. So we are currently investigating our private coverage options. Just enough to pay off the PPOR and a year or three of childcare.