mothergoose you can take out the policy on your DH, it doesn't have to be done by him....
to make it worthwhile you need a lot.... the odd $100,000 you get from super, sure that would help initially, but when you factor in the cost of living, mortgage repayments etc etc, by the amount of years your kids still have to go to be 'grown up', its a lot.... a huge amount....

that said we don't have it yet... tut tut... we also don't have wills.... when we get it i think i will be going for coverage of say $1mil.... or thereabouts... hopefully it is never needed... obviously.