Suppose you have a 1 year old child, the wife stays home and the husband works. Generally not because it is far too expensive. But don't buy mortgage insurance itself - much too expensive. Include it in the overall analysis of what insurance needs you might have. You are quite safe in airplanes and flight insurance is incredibly expensive to buy.
Many larger firms offer life insurance as part of an overall benefits package.
They will typically provide a certain amount of insurance for free and insurance beyond that minimum amount is offered for a fee. It is often wiser to have your own insurance in place through your own efforts - this insurance will stay with you and not the job. One rule of thumb is 5x your annual income. But its actually likely that your spouse will go back to work and good thing - otherwise your insurance needs would be much larger. After all, if the spouse stays home, your insurance must be large enough to be invested wisely to throw off enough return to live on.