Why would you skip your DH???

If the kids are minors, then their surviving parent or guardian would hold it in trust for them - it could be spent on anything, so long as it is spent for them (ie, rent, food, electricity, new car, education, whatever..)

DH just updated his nominations yesterday. 5% for each kid, and the remaining 85% for me. The only reason that we even had the kids nominated at all is in case DH and I die together - the contribution would then be split evenly amongst the surviving beneficiarys, quicker then if they weren't listed; in which case the super company can determine who it is given to. If I am still around, I will be the one determining how my kid's 5% gets spent anyway (probably education). It's not really their's per se, but rather would be the money DH would have spent towards their upbringing anyway.

It is really up to who you would want / think should have the money. But bear in mind that even though you nominate, it can be contested by spouse or offspring if it isn't fair.