Life Insurance on Your Wife
Your wife should own a term life insurance policy on you. She should be both the owner of the policy and the beneficiary.
You should own a policy on her.
If she died, you would be in a bind. Her unpaid labor would no longer be unpaid.
If you have day care age children at home, you would be in a real bind. Day care costs money.
The minimum to buy is $100,000. But term policies are cheap. Buy $250,000.
Buy it online. Select Quote is a reliable site.
https://www.garynorth.com/snip/1514.htm
After you do this, gently suggest to your son or son-in-law that he do this.