Mortgage insurance in refinance

My husband and I are refinancing our home. I'm currently not on the mortgage but I will be after the refi. I remember after my last mortgage (20 years ago with my x-husband) I had insurance on the mortgage that, if one of the spouses dies, the insurance will cover the mortgage.

I currently have terminal cancer. Though not actively dying, I likely will not live the next 5+ years, and I want to make sure my husband and children are covered. I'm guessing the insurance I had was part of PMI. We are only financing 55% of the value of the house so I know PMI is not required. Will the bank offer / allow us to purchase insurance during the refi? If so, how expensive is it?