Hi Brian, Thanks for the prompt answer. I knew I was asking a question that would be difficult to answer. I also appreciate the good advice about living a good life which is what I've been doing. I'm heavily involved in different charity work, I volunteer at one of the local hospitals in addition to the food bank. I spend time time with newly diagnosed HNC patients, offering them support and whatever else they might need. I'm also taking time for myself, which I've never really done much of until now. I'm doing as much as I can with my family and dear grandsons. I believe in God and I realize only He knows when I'm going home to him. I had a stupid reason for asking and it was that we are changing life insurance companies for my husband and I just wondered if we should do the 15, 20 or 25 year term. I was just trying to figure out our finances. LOL