Well, I live in the UK so the insurance thing is a luxury, not a total essential. Also while $2m is almost certainly more than enough for me to live off I won't

Well, I live in the UK so the insurance thing is a luxury, not a total essential. Also while $2m is almost certainly more than enough for me to live off I won't have to - because I can still work part time if I want to. And given it's mid life, well sadly it's only got to last me for 40 years, optimistically.