I have a very good LT disability policy through work, I have several million in life insurance (plus a good chunk of dough saved) and I’ve gone over the basics of how to (come close to) maintain her lifestyle in the event of my death with her (~$100k/year, with no mortgage, forever, indexed to inflation), her parents and our financial adviser, who is a very close friend of mine since middle school. No plan is ever fool-proof but I’ve done what I can.
Very responsible! Hope you both live long and happily and exit within a short span of time from one another.
Beware of:
"Honey, this coffee tastes fun---GAAACK"