Fenfen,
I'm genuinely glad to hear this. I am always happy when someone makes a good decision when it comes to insurance scams like this - because let's be serious, that's what it is. Well done. Now if you're young, healthy, and still want to bridge the gap during your earning years, get some quotes on term life insurance. You can often tack it on with the same insurer you user for car insurance/homeowner's/etc. I added a small policy and the discount generated by it was actually greater than the cost of the insurance (it was only about $10,000). Now that's a Mustachian decision.
Also, most people selling insurance are of the mindset that you need to replace your income to the tune of 80% of the rest of your life, and often discount things like investments/your wife working/the fact that you could invest the insurance payout/the likelihood that she'd remarry if she's still young. You probably don't need a 2+million dollar policy. More likely, 500,000 to 1,000,000 would be enough. Do the math so you know what you need before you talk to another insurance agent so you don't get sucked into an emotional decision.