UK..now a days we have tailor made plans, which will cover all ur needs in one policy, what u r refering as death insurance is pure term insurance. Which is like car insurance, if u die ur family gets claim..simple
dEV,

eVeRyTHinG dEsIRAblE, Is eITHEr eXPEnSIVe, bAnnED, ilLOgiCal oR SeEING(maRRiED to) sOMEonE ElsE...... ;-)