Seriously, first thing we did. I got the extra discounted super healthy person term policy. Made me feel cool. It is a real reassurance though. We both know that if the worst possible thing happened, that one of us died, the other would be able to carry on and hire the help s/he needed. We also made a will incase both of us expired and made 3 guardians so that the chance that someone would be in a position to take in our offspring was greatest. As far as I'm concerned nothing would be better than paying this policy for years and never collecting, but it is such peace of mind to know we have it.