As I've said before: "Take your wife to the Motorcycle Dealerships!" ...the more expensive the better...start with Harley...then hit the Italian makes...since all bikers like to tell you about their crashes, make sure you initiate a few conversations along the way. After a couple of months of this...say you're considering a Cobra instead. Now,... here's where you'll find out if she knows how much life insurance you have...an who's the beneficiary!
If all is in order, (i.e. she really DOES love you, or your policy sucks), she will GLADLY be persuaded to capitulate to a Cobra. Besides, as thin as a Cobra passenger seat is,...it's better than the end of a motorcycle!