Just buy enough life insurance to cover a burial and a year's salary. Your wife is a teacher. She has a professional job and presumably a college degree. She

Just buy enough life insurance to cover a burial and a year's salary. Your wife is a teacher. She has a professional job and presumably a college degree. She has summer's off so she can get part time work if she needs to. Life insurance is a relic of when the wife would stay home and take care of the kids while the husband worked. The fact that you are considering pursuing android/iphone game development tells me you are pretty comfortable on her salary anyway.