He has four kids. He should have life insurance, and he should have gotten it when he first had kids and presumably was fairly young so that the rates would be

He has four kids. He should have life insurance, and he should have gotten it when he first had kids and presumably was fairly young so that the rates would be inexpensive. Even if it wasn't for the mortgage or the van, you would want your partner to have sufficient resources to make rent. A level term policy can often be had for as little as $30/month and it would have been more than adequate to cover the $250,000 in debt and final expenses. The service (assuming 4% and 30/5 years for the house/car) on this debt is probably about $1500, which means he should probably be able to afford an extra $30.