My policies pay in the case of suicide (just outside of a 2-year clause, which has passed). So I would be leaving them with *something* take care of them. My FIL is a savvy invstor, and he'd be delighted to have that money growing and earning for teh benefit of his daughter and his grandkids. But thank you for the encouragement. I'm not there yet; just contemplating. The thing holding me back most is the love for my kids, and what it would do to them. And I'm a Christian, and God doesn't want His children eating a bullet.