I must admit, I have been thinking the same things lately. If DH dies, then I will get life insurance; but If I die, he will get nothing. He is an Aussie, but his income is quite big, so he would actually end up with very little, if any FTB (we only get it because I earn nothing) and he would suddenly have to find a way to pay for childcare for four kids on top of all our normal expenses.