This is a very interesting discussion. I have this. If a Dr told me tomorrow I was terminally ill I wouldn't care. The best option I have to do what I can to make sure my daughter has the resources to work through her MI and hopefully someday be able to work a decent paying job, is my life insurance policy. Prospects for a comfortable retirement (ie: enough money to pay the bills and buy food) are pretty lame so what's the point? So I do think about this a lot, but I would never actually attempt because then insurance wouldn't pay out. It's a fairly new feeling to me and is related to my daughter, but is also related to the state of the world right now and the ongoing assault against programs that help senior citizens, those with MI and the poor. Unless you have a decent pension or retirement plan, what's the point any more?