It depends, financially, if one of California’s distracted drivers manages to kill you on your way to work today does your family need the money?

Note, need, not nice to have.

If kids won’t need an additional care giver, less need.

If the kids won’t need additional capital for college costs, less need.

If the spouse won’t need to pay the mortgage or other bills, less need.

If you and your spouse goes, is the money need to cover estate costs?

Just my thoughts.