This is all very helpful advice, T-Y, everyone.
Going to get a term policy, and look into a trust given that I'm part of the landed gentry. Sad that Spracne is already in the pocket of BIG LAW.
4. What the eff's your problem?
No offense intended. Just don't want the Li'l 'Meals growing up in your house after reading your posts in The Pit. I'm sure you'd feel similarly about Li'l K-S-U-Ws living with me if I posted there.