TorchtheFlyingTiger

Need it? Probably not unless spouse would have more expenses or less income in your absence. For example to replace your SS benefit or pension. However, it might also make sense to keep paying if you think it's likely to pay off. (Assuming level term) you paid that same premium when younger and less likely to die might be worth paying until term expires now that you're more likely to die. Also, consider widow will likely have higher tax burden given same income filing single so tax free death benefit might be useful.

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We roll over about $40k/year after all expenses and savings which I roll into a money market account - TMCXX.

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Are you sure you mean a rollover here? Why so much lanquishing away in money market?

Rollover to IRA is good unless OP at some point exceeds Roth IRA income limit and wants to use backdoor Roth.

Ask yourself "would I buy it today?" If not, sell. If so, hold and perhaps buy more. Sunk cost fallacy is a bitch.

I'd count new contributions.
I would not count reinvested gains/dividends/interest.
I'd probably consider employer contributions/combined total contributions separately but count it as you like.

We saved/invested $x last year, that's x% of our gross income.
Employer match, profit sharing etc was another $x
Combined that's $x, x% of gross pay or x% of total compensation.

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Actuarially, they say the average male croaks at age 76. So in theory maybe I have 5-10 years left? 

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It's not actually quite that bleak. For US males that make it to 65 life expectancy is more like 82-83.

47% bonds & 21% Int'l stocks, are you retired or think US stock market is over valued?

I'm not well diversified at all. I'm nearly 100% equities. Mostly US index funds maybe 5% in single stocks, REITs and international funds. Too much of my portfolio is in the top 5 holdings of the S&P500.
I dont hold bonds because I consider my pension, which covers our basic expenses, like the stable portion of my portfolio. Thus, I can be comfortable while remaining risk on.

Part of the issue w holding kids accountable for interim late work zeros is the portals used arent always consistent. Students and parents have an overwhelming amount of info now and teachers are responsible to enter more data and to communicate w parents more than ever before. You never know when it's really a.zero and when it is pending or extended. Back in the day (80s/90s for me) my parents had no idea what assignments I had due except large projects like SS fair. Only accountability was at report card time. Heck, in 8th grade I missed so much homework the office asked my parents for permission to paddle me for it. Probably made an impact for a short while but when I forgot a few more times it was.just back to office again for more. Eventually I concluded I'd probably forget again so why bother and just took my licks occasionally when teacher got fed up again. Few years back in front of my Mom I laughed about this and how it would never fly in schools today. She was shocked and nearly cried. Apparently, she thought it was a 1 time permission and when they were never notified about the ongoing issues she thought it worked and I had improved.
Nowadays, getting a B or C average in that 8th grade HS credit Algebra class would make getting into a good state university nearly out of reach. I see why teachers are lenient w academically high achieving students considering most homework is just review and they're getting As on tests.

French don't do birth right citizenship. Most of the world doesnt it's mostly just the Americas.
My kid was born overseas and almost everyone thinks he's got to have dual citizenship from birth. They're incredulous when I explain that's not a thing in EU country where he was born or most of the world.