Term life insurance just long enough to cover until kids out of college years, then just count on my survivors (wife and kids) getting my 401(K) and equity in my house, and possessions. Frequently, you can get good term life through an employer, which is what I did. I had a couple health issues some years back that made me hard to insure for quite a while, and I haven't tried to reapply since having recovered. Not sure I will.
In the mean time, invest any "extra" in a retirement account (which they get too if I die).
That's my plan.
No one will "get rich" if I die early, but they won't starve or have to forfeit their future.