<prompt> Human: Long time reader- throwaway for privacy reasons. I am in my early 30s with a spouse and 3 young children. I spent much of 2014 and last year in the hospital fighting a rare and aggressive stage 4 cancer. 80 rounds of chemo, 30 radiation treatments and 7 surgeries later, I am in remission and plan to stay that way. My specific diagnosis does have a tendency to reappear within two years of initial treatment however. Knowing that, Im curious what recommendations you all have to prepare for the worst from a personal finance perspective. A little about our current situation--About 115K income per year between the 2 of us. I bring in 90 of that and my wife contributes the other 10.-We have 3 children under the age of 6.-I have a life insurance policy in place from before cancer in hindsight, I wish it was for a much larger amount.-I have good health insurance and no medical debt from my previous treatment. At most, we will have 10K in medical expenses per year unless we try some type of radical treatment that isnt covered.-I max both my spouse and Is roth IRAs and my 401K.-We are in the US.-We have approximately 100k currently saved for retirement.-We have approximately 50k saved for a rainy daymedical fund.-We have a mortgage about 50 ltv and a small car loan and no other debt.-My spouse recently returned to school to get a bachelors degree in a very marketable field. Partly because she has always wanted to and partly because its possible shell become the sole breadwinner. -We both have excellent job security.Considering all this, what are some things we could do now to help our familys future and prepare for the worst cancer re-occurrence and death? Would I qualify for any private disability andor additional life insurance? What else?TL:DR; Had cancer, now I dont. It might come back and kill me. What should I do now to prepare?  <response>: 1. Ensure you have an airtight Last Will and Testament. For examples, you can try or rlegaladvice, but theres no substitute for a good estate planning attorney.2. Keep saving for retirement. Great progress.3. If you would like to plan for your childrens educations, start saving in a 529 plan with them listed as a beneficiary. You can also do this for your wife as well. Make sure you and your wife receive a 1098-T to deduct tuition expenses from your taxes.4. You may wish to consider setting up a trust fund for your wife and children. You may need an attorney to do this if thats the case. 