I have posted about this issue before but am coming at it from a slightly different stance.
H has in the past refused to get life insurance. Even when I have offered to pay for it. This makes me feel uneasy as I am a SAHM to three dc and certainly couldn't afford the mortgage were he to die or become incapacitated. I am trying to get back to work but even earning what I think I could earn, I wouldn't be able to cover the outgoings (also not sure what they are as h looks after all of that 
while I pay for all food, occasional holidays and all things dc related).
Have recently been feeling a little more confident and have come to the conclusion that he does not have the right to veto life insurance especially in light of the fact that we would be protecting the dc. So am going to bring it up in a relaxed, casual am going to check out the cost of it kind of way as am worried about not being able to look after the dc should anything happen, and see what he says. In the past however these conversations have not gone well.
He is averse to the cost of insurance and also thinks insurance is a racket. I agree with that but still need to feel a bit more secure about the future.
Am wondering why he wouldn't actually want to make sure the dc were okay if he could no longer work 
??