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[quote=Anonymous][quote=Anonymous]You People who have dangerous hobbies who say, "oh, but I have good life insurance" have no idea what life is like for the surviving spouse. You lose your best friend, and your future and you will never be the same person again. Your kids age well beyond their years and there is a little seed of sadness inside that never goes away.

Stop being selfish! [/quote]

Of course life insurance is no substitute for a spouse.  I can only imagine the pain of losing your partner in life and the parent of your children.  I am sorry if you have gone through that.

I was one of the "good life insurance" posters.  My point was not that it eliminates the burden on the spouse, but that life insurance is a bare minimum requirement for mitigating one of the risks.  In my case, the risk of death or from my sport is pretty small--mostly because there's no chance of getting hit by a car or falling from a great height--but other less serious injuries (broken bones/trashed joints) are relatively common.  So, maybe I should not compare it to cycling, where the risks of truly life-ending/altering injuries are greater.  And, I have not been on the other side of this--my husband's favorite hobby is tennis--so I understand the perspective may be different from the outside looking in.

FWIW, I used to play a sport where head injuries are common.  After my first concussion, I hung up my cleats--even though I was single and childless at that point, one serious head injury was enough for me.  OP, I hope this accident is a wake-up call for you DH and that he takes more care without any need for pressure from you.  It sounds like he has been really selfish in the ways he has put this activity above the good of your family, and you deserve more from your partner.[/quote]

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