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Reply to "Do we really need a will and life instance?"
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[quote=Anonymous]Yes you need a will. Unless your financial life is complicated you don't need anything fancy -- and a Will-in-a-box (Willmaker, etc) is much much better than nothing at all. Don't let the "who do my kids go to if we both get hit by a bus" question trip you up -- the chances are so incredibly small (one of you might die, yes, but both, at the same time? small odds) that you shouldn't lose sleep over it or let it stop you from completing the will. Insurance depends on what your financial situation is, whether one of you could still pay the mortgage and child care without the other spouse's salary, etc.[/quote]
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