If you have an American Express card, you automatically get $100k worth of accidental death and dismemberment insurance coverage. Just be sure to file the claim within 100 days of the accident/death. When you write up your will, be sure to put that information in there so that it is not forgotten.
This website was created due to the atrociously misguided financial advice that I've heard over the decades. Financial freedom is not intellectually strenuous, but it takes discipline.