Here is an important question for you to consider.
In the above examples, we assumed the person who dies was the income earner.
What happens to your family if the non-working partner dies?
Do you have debts outstanding? Would the family have to employ a nanny? Would your work hours reduce because you had to look after the children? All of these scenarios would increase the financial burden on the family.
Therefore consider having life insurance on both the income earner, as well as the non-income earning partner against the possibility of their death.