Life Insurance
I can try to buy one for myself for my children, but my concern is, how can I protect myself if my husband passes away before me? What are my legal options if I cannot convince him to buy life insurance? We have quite a conservative lifestyle, we are not lavish, we try to keep to to minimum costs but not stifling.

Please help! The stress is killing me. It’s hard enough to have an uncooperative husband. Don’t ask me about whether he cares for his kids or has any goals at all. He can say one thing and do another.

I live in Canada.

Debt Consolidation
I have $7,000 in debt and I have heard about debt consolidation. Does this negatively affect your credit rating? Do you get to choose how much you pay monthly or is there a set amount they make you pay? I live in Canada, if that matters.