As a widow, I would like to add some words of advice. While it is scary to face the possibility of being a widow at a young age, it was my reality at the young age of 34. I was left to raise our 4 kids alone, and we only had the minimum life insurance, which didn't even cover the entire funeral cost. After experiencing this tough reality, and getting to know others who have experienced this as well, I have frequently advised family and friends, that a minimum recommended life insurance would be enough to pay for a funeral plus enough to either pay off your current home, or purchase a home, and pay off any debt you and your spouse may have. Also this is for BOTH spouses, while a widower may be the one who provides, if they have young kids, you may be forced to cut back on hours to help care for your kids. I wish I had been more prepared,and I hope this advice may help someone if the unexpected may ever happen.