<prompt> Human: Ok, so its morbid, but in light of a bad fall my husband took last night, I feel we should take some time to plan for the worst case. My husband is the sole breadwinner. He makes 50-60k a year. When I was working, I made 20k. Our mortgage is Edit: 1.6k a month, and we pay 6k in property taxes a year. Health insurance is around 200 a month per person. My son is 3 months old. My husband refuses to get life insurance because he wants to be missed. He suggests in the event of his death I sell the house and move in with his mother. That is not an option. We live in California, so selling the house and moving out of state might be an option, but Id rather plan now and have a backup. Im considering taking out life insurance on him and just not telling him.He also refuses to make a will, because everything will automatically go to me. He doesnt seem to understand the concept of probate. I want to make a will for myself, expressing my wishes for my sons upbringing in the event of my death. If I made him a will, its possible hed sign it.Im just a little worried we havent properly planned for the future. Is life insurance a worthwhile investment, or a gamble? What other things do I need to do or know? I know almost nothing about our finances.  <response>: Our mortgage is 16k a monthI assume you have a typo in there somewhere.My husband refuses to get life insurance because he wants to be missed. He also refuses to make a will, because everything will automatically go to meI will be blunt. Your husband is being an asshole. If its his expectation that you starve and suffer if something happens to him then you are married to a sociopath.Reasonable people what to make sure their loved ones are going to be ok in the event of their death. You want to buy enough TERM life insurance to replace at least a good portion of your husbands income. If he is reasonably healthy, term life insurance is very affordable. Reasonable people with little children should have some kind of estate plan. What would your husband like to see happen if you both die in a car accident? Nothing will happen automatically. Say you have a net worth of 500,000 upon death and your kid just turns 18 years old. Do you want that to get handed over to you kid with no oversight?You need to get involved in your financial life and be informed. 