First, get some life insurance. Like right now.

Second, nothing is risk-free. Not biking, not driving, not walking, not even staying in your house. There are risks everywhere, but you have to go on living your life.

Third, just because misfortune happens to someone, it doesn't mean you're next.

In the end, though, it comes down to what you feel is best. If cycling is worrying you (or your family), maybe it's time for a break. You can always get back into it later if you want.