life insurance - not optional anymore

when it was just emily and i, we considered supplemental life insurance as something that we didn't absolutely need.  but with the baby on the way, it's time to cross another one of life's thresholds and be prepared for unforeseen circumstances to protect our family.  cnn - money has a nice overview of life insurance in general and i've had a decent experience thus far using insure.com to quote from several different providers.  i'm currently waiting to hear back from some trusted advisors before i commit, but i'm finding that this life insurance thing isn't quite as hard as i expected it to be if you stick with the basics.