And that is why 20 year level TERM life insurance is a MUST. Get between 5 and 10 times your annual income (preferrably 10 times). A non-smoker 30 years old can get $500,000 for less than $30 a month. Stay away from whole life. It's a rip off.
You know ... the one where they toss in the wife, horse, swords, etc. etc.?