<prompt> Human: I literally cannot talk to them about it. It caused a HUGE fight last night. I mentioned that I think we need life insurance. I try to be rational, and to explain the reasons why I feel that it is important. Why it would be a mistake not to protect ourselves. My wife and I each make a similar amount, but neither of us can raise the child and pay our current mortgage on just one salary. We each make a tad over 80k a year, and we have a 300k mortgage. She was yelling at me and basically questioning our relationship last night. I think it is incredibly stupid not to have it. I am not comfortable getting in a car and driving to work every day with the thought that I am one accident away from my wife and kid being destitute. Her parents are well off, and will likely leave her a sizable nest egg for her, but I absolutely do not want to count on others to ensure that my wife is able to stay in the house we just recently bought should I pass away. At this point I am basically resigned to the fact that we will not be getting life insurance on her. She has 1x salary from work, so if the unthinkable happens, we will certainly need to leave the house, but this isnt something she seems to care about whatsoever. She was making arguments that she could use the 70 a month that would purchase 30 year level term 500k policies for each of us to buy an expensive purse since we are just going to waste it. He dad was saying that that much money changes people, and that for example if we go on a cruise we would be tempted to give a push over the side. I have honestly never felt less accepted in the family than I did last night. My wife legitimately asked me if I could get insurance without her permission and wanted to know if I was planning on killing her. And it wasnt a joke. I want to protect our family. I dont see this as any different than health insurance or homeowners insurance as an aside, my homeowners insurance agent said I was the only person who asked him to over insure me, to insure me for more than needed. I feel like I am faced with two incredibly shitty choices. Either I do nothing and just throw the fucking dice with my future, or I press the issue and make life hell for me and possibly alienate her parents just doing what I think is right.  <response>: Tell her that her willingness to needlessly endanger your childs well being is a major issue for you and insist on visiting a counselor together to talk about it. Do not drop the issue. You absolutely need to get life insurance. The fact that you have a family member who went through this situation makes her position mind boggling. Sounds like there are some serious unresolved issues going on underneath. 