Term life insurance for sure.
My spouse can pay off the remaining mortgage lumpsum and immediately stop working if I ever end up in a smoking hole.
My whole previous point was that you need to be able to make the numbers work and both of you need to understand the bigger picture and be good with it.
End of speech…..almost.

Like I did nothing of what I’m preaching now.
I had half baked plans, fully baked dreams, borrowed a satchel of money, defaulted on the loan, haunted by debt collectors to still end up on the sunny side of the street.
So it’s from experience that I say, don’t do what I did.