I am a federal employee and am thinking of dropping my life insurance coverage under the Federal Employee Group Life Insurance (FEGLI). I'm going through a divorce, and we have no children and no debt. There is no one depending on my salary but me now, so I can't see the point in continuing coverage. Plus, it would be $70/month I won't have to spend. The only thing making me hesitate is that it would be extremely hard for me to get a good deal for term life insurance if I needed/wanted it in the future (I have a pretty serious pre-existing condition). I don't know what circumstances would occur that I would feel the need for life insurance again (I'm almost 40 and will likely not have biological children). Thoughts?