Being prepared for the worst

So I know none of us want to think about something happening to us that would take us from our children and loved ones, but you have to. I can not stress the importance of life insurance and maybe a living will. I know it isn't fun to talk to anyone about these things, but at least have a journal or letter you give to someone trusted as to what will happen to your things and your children if you and/or your signifigant other are gone. I got to thinking about this after reading a Q and A from yesterday. If you have in mind a person or family or relatives you could see raising your children if you could not, make sure you tell someone who could do something about it. And a life insurance policy is not expensive. Even if you have a small one to cover funeral costs and a little bit more, that would be better than nothing. I know it stinks as parents to have to think about this actually happening to us or our children, but you must be prepared. Don't let your children suffer b/c you didn't think this could happen to you.