I have a very large amount. I'm worth more dead than alive

Seriously? Enough to pay out two (large) mortgages, plus private school fees for secondary school for two kids, ($30K each per year, six years) plus a bit more.

I pay over $2k a month in insurances (life, TPi, income protection, car, house/building x 3, professional indemnity, and a few more)

Worth every cent.