You Don't Name Your Family, You Name a Trust

Get as much of it as you can afford and are happy to be paying for to leave behind for your guardians. You name irrevocable living trust, period. It's not even a thing for you to think about. Is just the right answer. Don't subject your family to that. If you have a lot of life insurance. If you named your estate, or if you name your children, well, the all of that life insurance based is going to pay off and then get put right into a court process  that a judge is going to oversee. And o story. But term insurance is absolutely you need that.