@UK34Male I don't think it's stupid at all, I know what you're saying. I'm just focused on your wife and your sons. As I'm writing Walker has said what I'm thinking. Your death may solve a financial problem but OMG, you have no idea what hell is about to happen to them if you go through with it. The grief, the confusion, the sadness, her having to deal with her own and the two boys pain. Then the ANGER she is going to feel. How are they going to feel about their mum going through that and what are they going to learn about you? How are they going to deal with knowing that you willingly brought this on them? It's unbearable to think about and I'm just a stranger on the internet. For everyone's sake, please get some advice, talk to whoever you can and get that business brain into gear. If you are 34, like your username, you have a lifetime ahead, your boys have a lifetime ahead with you in it. Hell, even the most successful people lose businesses and pick themselves up again. If your business fails, you will feel all those things you described but you will still have the most important things in life, your health and your family. (And I know how that sounds.) Just imagine, if you go through with it, your two sons in 20 years time, what would they say to you now? They need you, they are never going to stop needing you and they are certainly not going to give a stuff for insurance money.