[Harmless Teddy Bear]

On the plus side that means I'm worth more to her alive than dead.

That is a major plus. :)

OTOH you should, especially if you have children, get a term life policy to cover that time.

At least enough to pay the house off.

[where's_the_Outrage?]

If I die before she turns 62 (over a decade away) the income will about be cut in half. But it is still more than enough to live comfortably, and we’re debt free. Plus our minor daughter is getting SS for at least 7 more years. The wife can sell the house and move back to Thailand to live like a queen.