Planning Ahead

now that we have a different family unit, I've been thinking about how to prepare for the future quite a bit and I know J has been too. Neither one of us really thinks about what will happen to us when we go, but having three kids (possibly four someday) makes things a little different. We've been looking at life insurance on and off and what the differences are between regular and high risk life insurance plans. There's so much to them but we've found a couple places that simplify things a lot, which is good since we have no idea what it all is really. Things are still new so we're not looking to jump into things right away, but it's a good idea to have things set someday soon so that we can feel good about things just in case something does happen.