stillin,
You are a nicer guy than I am. Or maybe you are a schmuck, but this is my thought-half of it is yours no matter what. If you predecease her and leave a a trust for her living expenses with the remainder to your children at her death, then the WT doesn't get it, your kids do and your wife, that you love and respect, is taken care of properly. Otherwise, your kids could get cut out altogether in favor of the WT and previous agreements are made to be broken (wills are frequently updated and they SHOULD be as circumstances and religions change frequently.
My mom, who was a stay at home mom, has the majority of her estate from my dad tied up in an annuity that goes to the WT when she is gone, with a small percentage(abt 20% total) to my siblings and me, equally.
She told me recently that she was upset that we kids didn't pay for her life insurance premiums a few years back when she was asking us to. At the time she was really depressed and morose and thought we wished her dead so we would inherit her money. OUr thought (3 of us who could easily have paid the premiums) was that she would get mad at us and accuse us of wanting her dead (which she already accused us of after my dad passed anyway). Or, she would hurry it along some(bad depression and she talked of death a lot) We just figured there was no amount of money worth that grief.
She kind of got over the depression, but with this latest development, I am really glad I haven't been paying premiums all these years for her to give all her life insurance to the WT organization-cause that is what she would have done, and then if we complained, she would REALLY be able to say we had only done it hoping she would die. Really, there was no way we could win with that one. I was sad about this latest development though-not because of the money per se, but my dad would just be so angry that what he had worked so hard for-his wife and then his kids-was all going to the relligious organization that he really did dislike. He was nice to JWs when he saw them, but he really had nothing to do with the org. at all. He would be so pissed. I have always maintained that it is everyones right to do what they want with their money, but this bothers me on the principle of the thing.
My mom probably has at least another 20 years barring something awful. I'd rather she went on some great vacations while she is so healthy and feels good.