I suspect one of the safest plans is the buddy system, ensuring both of you have some emergency medical training. How much safer that actually makes you isn't clear to me, but I'd guess it's significant.

Kids understandably have a difficult time dealing with their parents' mortality. I tell my kids that things will be okay, no matter what happens. Sometimes the reasoning behind their fear is something you aren't even aware of - like they read a fairly tale and are worried about an evil step-parent. Or a friend's dad died and left the family with nothing.

I think what we do is raise them the best we can, and part of that is living by example, and part of that is showing them how to live life to the fullest.