It sounds like for anyone in limbo awaiting a dx, it is in your best interest to apply for
both life insurance
AND disability insurance
now. Also, if you are well enough to be job hunting, now is a good time to try to find an employer who offers life insurance as a benefit, not to mention medical, disability, etc. However I realize that good jobs are not plentiful in many places nowadays.
I don't have kids, but I think Wanna's advice is great and is something I was never aware of.