Originally Posted by growing_older
A young couple, with kids no less, needs life insurance and a will. Pronto. If anything were to happen to one (or both) of you, you need to insure that the other is taken care of and that the kids are provided for. Term life insurance is your best option.
It's not fun to think about or plan for but both of you need to consider the "Where will I be?" financially if one died prematurely, or worse (from a financial standpoint) if one became disabled through accident or illness. That's where, life insurance, disability insurance, and yes, even at your age, perhaps even long term care insurance come in. What do you think happens with someone terribly brain-damaged in an accident at a too-young age? At least ask about it.
Bear in mind they are separate products covering different scenarios. Don't let some slick salesguy try to tell you different.