Sounds like you have some nice, but possibly boring people in your life if you can't be replaced by money!
If you're not rich enough for a prenup to make any sense, there's nothing stopping you from being way over insured.
I think that even tho we disagree on a lot of things thesis, you should take my advice on this one, and limit how much insurance coverage you have. We an argue here on the flip, but I'd hate to see anything happen to you, by accident, in real life.