"PS. And if I had died in an auto accident, especially if it was at age 29 in the winter, there's no doubt everyone in my family would be talking about my remarkable premonition.
"
Sure they would. It would be an even juicier family story if your wife had the same premonition and you had doubled your life insurance prior to the accident.
The wife I had at age 29 probably would've doubled my insurance for me and cut the brake lines.