Most people don't like to think about death. I suspect that much of my audience is young to middle age adults. Planning for severe accidents/illness and death is not a high priority. If you love your family, you should plan now for just such a possibility. I say this to myself just as much as you.
While flipping through my free subscription to O Magazine, I found some advice and a great offer from Suze Orman. On page 66 or the October Issue, she has offered a Gift Code, 898989, for her online Will & Trust Kit for one week only (Sept 27 - October 3). Please take advantage of this offer. You and your spouse will need separate accounts to both fill out individual forms. Go to suzeorman.com and click on the Will & Trust link. She makes it very easy to understand and create the documents necessary to protect your family.