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.
Remarrying rich and the kids eventually getting jobs is not a plan I would be ok with.
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.
You explained your suggested alternative to life insurance. Really don't think I need to copy paste that to you. Try the parent button.