But in all likelihood he won’t live much passed 45. I'm concerned about how I'm going to support myself and our kids if something does happen.
We can't get life insurance no matter how we try.
Life insurance in any substantial amount is going to be very unaffordable, because the odds will always favor the house (the insurance company).
There are no laws, that an insurance company is required to sell you a life insurance product at a loss.
However, if money is no object, you might be able to find coverage through a high risk life insurance company.
But if you're looking for the same rates as a healthy person, you're not going to get them. You may be 5% or more of the face value on your life insurance policy per year in premiums.