Here's something I've noticed: the loudest voices arguing against life insurance after financial independence almost always come from people who aren't financially independent yet and don't have kids. They're still grinding toward FIRE, optimizing every dollar, cutting costs to close the gap. Makes sense for them. But once you actually get there, the calculus changes. Every single person I know in real life who is FIRE, or is rich with a net worth over $10 million , has life insurance. Not just life insurance either. They have comprehensive car insurance, property insurance, personal property insurance, and an umbrella policy. The wealthier people get, the more they insure despite being able to self insure. That's not a coincidence. For context: my wife and I have matching 20-year term policies we got through Policygenius that we plan to hold for the full term. Policygenius lets you shop for customized, affordable life insurance in one place.…