What would happen to your family if you died today?

Being a widowed mum of two, I know the realities of death. Luckily my husband had left a life insurance policy and I invested the money in the stock market and got an education policy for them. They are my beneficiaries and if I were to die today they would still complete their education. I have also appointed my sister as their legal guardian and I am almost paying off a mortgage so that no matter what, they will have a roof over their heads.