Oh, I agree. My kids are still young and do need money, so we have life insurance. I've thought about getting a policy on my ex husband also, because I depend on some of his money and I know he doesn't have me listed as a beneficiary on any of his stuff. I'm just playing devil's advocate to the OP. Her dad isn't all that old and he's apparently married, so the onus probably won't fall on her for quite some time, if at all.