Term life insurance really isn't expensive, and it's meant to take care of those you leave behind in an unfortunate event. Pay off some big bills so your partner isn't grieving AND homeless. Most of the people on this site are pretty well-off, and can/should afford an expense like this.

If you've got a 95% chance of death, take the pain pills and enjoy your final days. Don't bankrupt yourself and spend more time miserable, dying anyways.