"Back-up Plan"

This morning I was listening to the radio on the way to work and they brought up a topic from Desperate Housewives, the "back-up plan".

Here is the DH scenario:
When the Scavo kids get chicken pox, Mr. Mom Tom is girlishly afraid to go anywhere near them because he's worried he'll catch sick and wind up infertile (b/c he has never had chicken pox). Lynette is puzzled by this phobia, seeing as she and Tom don't plan to have any more children. Tom explains that if Lynette ever dies, he'd like the option to start another family with someone new - hence, the "back-up plan".

So, on the radio, people were calling, texting, and emailing whether or not they have a back-up plan. People were explaining how they would be upset if their spouse had one or how it would be wrong of them to have one. While others were describing the shared plan to have their spouse marry their best friend or some other person they agree on, especially if they have children. This got me thinking . . . do I have a back-up plan?

YES! Not that I am unhappy or want out of my marriage; I do not have a specific person or a different life in mind! But, I do know that I could survive without my husband! I have done the math for financial reasons. As morbid as this sounds, DH has a career that could lead to an accident or something, so I have thought about this in terms of "what if something happens to him?" And being a child of divorced (multiple times) parents, I think about it that way, too. I absolutely hate it - when I get overly upset and start thinking about it in divorce terms; however, I honestly think of it as a survival instinct.

Do you have a "back-up plan" or any thoughts on the subject?

New addition to my blogs, so I try to do more than complain to DH:
Daily's . . .
Positive: The class I wrote about on Friday was a little better today - patience
Gratitude: Having Monday off and spending quality time with DH
Vent: People changing lanes without turn signals (almost side swiping me during the a.m. commute) & not washing their hands after using a public restroom - yuck!