I have always joked with my kids that I am worth more to them dead than alive. Thinking about my term life insurance in this way is a little depressing, but it is financially true. While I’d like to think my children would miss my biting wit and personality, financially I have little to offer them except my life insurance policies. I just hope everything is set for them whenever I pass on, a lasting legacy of my memory. I don’t even care if they spend money on my funeral, my money is for them to enjoy. After all, you can’t take it with you.