<prompt> Human: Trying to put together a financial plan in case something happens to me we have a toddler at home and not sure what to say about our home if something happens to just me. I make 3x that of my spouse. Our total house costs all up- including care, insurance, taxes- are 30 of my income alone. I have life insurance on myself for 2x our mortgage. If something happens to me, technically she can not afford the house by wage but would have a windfall from insurance. Does she need to sell the house? Or does she use the insurance to make payments? or payoff the mortgage and live debt free? Whats the right financial advice? - we are both 35- we are well above target retirement savings goals for our age- LTV on the house is 60- no other real debt  <response>: Id up the life insurance. Assuming youre healthy, adding another 500K of term would be really cheap and give you both a good bit more peace of mind. 