and have adequate college savings for any kids still in college, then you should be able to stop worrying about life insurance between 55 and 60. You can fully access your retirement savings in IRA and 401k accounts without penalty at 59 1/2, and you can usually start tapping into them at 55 with some conditions attached. Essentially, you can self-insure at that point.

Of course, if retirement savings are insufficient at that age, or if you still have kids living at home or in college without enough college savings set aside, or maybe if your family has unusually expensive medical or legal issues to deal with, then you may need to continue even after 60.