Originally Posted by I-Like-To-Bike

I suggest you might provide more financial protection for your wife in the event of your demise (for any reason) by carrying the appropriate amount of life insurance. Do not depend on her collecting a financial windfall from the unlikely event of her collecting it from an irresponsible hit-and-run driver with big pockets or high limits insurance coverage who gets caught and proven at fault for your death by means of your handy-dandy helmet camera.