Most people have life insurance to protect their families if they die, however a valid, well-planned will can protect your loved ones just as much. Unfortunately most people do not have well-planned wills.
Having a properly prepared will which contemplates all relevant tax issues, as well a properly executed Power of Attorney (including both the Continuing Power of Attorney for Property and Personal Care), may save your family from further hardship if you are ever in a position where you are unable to act for yourself.