> will be given to your family once you die, sounds a bit macabre.

To me it sounds more than a bit macabre - depending on the familial relations, it would seem like a motive for them to commit suicide in order to provide for their children or for their children to murder them. I can already imagine the memoires being adapted into Netflix shows.

Many companies provide a life insurance benefit equal to 50%-150% of annual salary.

If your sport has any mortality or long term risk (concussions, cardiac events) then this could be seen as a nice extra insurance policy.