I'm gonna sound like an ad but I've just found out that Aviva do a free life insurance if you have kids under 4. You're only insured for £15k off the top of my head and each parent needs to register separately. I do have a full policy anyway with having a mortgage but this could have helped a friend out massively whos partner passed away leaving behind 2 children. So if it helps even one person, I'll be glad I shared.
Did anyone else know about this cos neither me nor my friends/colleagues had heard of it.