Life insurance

I've been thinking about life insurance off and on since I got pregnant, way back in December 2005. I had signed up to get my blood drawn, the whole 9 yards, with a company down in the city but then I ended up not being able to find the office, and I had to get back to work. Since thinking about my or my husband's death isn't high on my favorite thing to do, I've let it slip to the back of my mind. Not a great thing. I've found that actually quotes for term life insurance are inexpensive for us, and for adequate coverage we would be paying less than what we spend on Netflix a month. But with that comes more questions- who would receive our children if we both died? Do we need to go through a lawyer for a will? What if we want friends, not family, to be custodians of our children? This would step on a lot of toes, wouldn't it? Part of my New Year's resolution is to figure all these things out, something that should have been done long ago.