You obviously have no concept of marriage or the cost of an education for your kids. Life insurance is there to make sure your families life isn't utterly ruined. Your suggestion is to leave the spouse forced to marry someone rich fast and have the kids work at McDonalds.

Did you even read my post?

Please, compare the costs of:

* Widow(er) raising two kids

With:

* Married couple raising two kids, while one of the adults has a severe permanent disability, requiring constant care, huge medical bills, etc.

Do you understand now why disability insurance is more important than life insurance?

I am not disagreeing with the importance of disability insurance. I am disagreeing with your proposed solution to not having life insurance.

Remarrying rich and the kids eventually getting jobs is not a plan I would be ok with.

And where exactly did I propose not having life insurance? Would you mind copying and pasting the text here?

If you have to choose between disability and life insurance, go with disability insurance. If you have enough money to pay for both, pay for a lot of disability insurance and some life insurance. Probably 10-20 times more disability than life.

Stop arguing the importance of disability insurance. You sound like a parrot. Nobody is disagreeing.

You explained your suggested alternative to life insurance. Really don't think I need to copy paste that to you. Try the parent button.