Better question: what are your wife and kids going to do with the money when you're dead?
Agreed, after there's 'me' left that question makes more sense.
Seriously, I've been telling my wife for years to donate my leftovers to the local medical school. Unfortunately, my cancer history means my leftovers are basically useless for transplanting. But, given that I were reasonably healthy, I'd feel quite comfortable with her getting the proceeds from whatever leftovers still were useful after I got done using them....
I understand that, and I would feel the same. But would you consider helping your family financially more important than helping an unknown person fighting for his life? To personally, the second thing would be more important, unless my family would be in a really desperate financial situation.