My brother is a First Responder In Oconto County Wi. and has had to respond to numerous tree stand accidents. From a guy slipping on a wet wooden plateform and tearing the back of his leg open from the back of his knee to his butt cheek on a rusty nail, to a guy who fell 20' and landed on the side of his head and was found by his son on his way out of the woods that night. It is very inexpensive Life Insurance as stated before. Your family at least desreves that much. I also use a Seat-O-The-Pants harness, it is comfortable and I feel much more at ease 20' up a tree.
Good Hunting!!!