What kind of Life Insurance?

What kind of Life Insurance?

I am 30 and my husband is 32. I am wanting to get life insurance for both of us, but I don't know what kind. Term life is what most say to get. I want life insurance that covers everything. If we have a wreck and die, natural disaster, natural death, hit by a car, someone kills us, ETC. We have 5 children and I want to make sure that if something happens to either of us our children will be taken care of financially. We have no mortgages, or payments as we own all we have at this time. Can anyone tell me what I need and who would be a good company? I live in Ohio and we are both in good health, we smoke at this time but are trying to quit.

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