This is so true! We too try to life to the fullest! We’ve making a point to a take a vacation with the kids every year be it big or small. You cant replace those memories.
I know we got enough term life insurance to pay off the house if either one of us dies. Plus, my husband has a plan through work that should bury him. By getting that term life plan in our 20s, we pay less than $50 a month!