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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.

Beware of:

"Honey, this coffee tastes fun---GAAACK"

In my state, she could divorce me and get the same thing ~(~$100k/life in alimony, maybe less if they didn't count my stock comp and bonus, which is more volatile) since SC is one of the few states that has permanent alimony.

Besides, if she really wanted to clean up, she could just wait till just before retirement (10-12 years from now or mid/upper 40s), leave, take half the assets (hoping around $4m at that point), and force me to pay alimony forever even though I was on the verge of retirement!

Not terribly worried about it. We live a good life, both in good shape, and I make > 8x more now than when we got married. If she takes me to the cleaners, I'll still be living more than OK but not expecting that.