[Hawkeye]

I second the term insurance for what you described. Get the term to expand out as far as you expect the debt to last.

I guess I am lucky - I maxed out my company sponsored life insurance at ~$300K and it only costs me about $10 a month.

Also ddk, that is a good disability policy. Most disability policies won't pay out unless you also qualify for disability through the government (and then the coverages are deceiving, they only cover the difference between what the government disability pays and what they quote, not in addition to as you would think)