the 800 a year I pay gives my wife 4 years of current salary which would give her breathing room as she wouldnt be paying a high nut on a house as she would (im guessing) go home to our house in Alaska. Conversly she could pay that one off, get 3 years current salary with no bills and make her own plans for the future. Having a father die with minimal insurance (about 6 months salary) caused a hardship I would not want to put my wife thru. If my wife predeceases me unless some auto hits her and is at fault I am totally screwed. I would have to sell my kids ^H^H^H^Hcars, Tv's move to a studio apartment with lots of bunkbeds to afford childcare. Oh well I could handle it. But I will bet I might die for $800 a year just to say that I am worth more dead than alive.
thanx,
bill