Drop FEGLI and replace it with _?

I’m 42, married, no kids, have a mortgage and pay for the 3x life insurance coverage - which feels pricey. Is there a smarter way to have coverage to pay off the mortgage and not leave my spouse saddled with debt if I pass? It seems like I could be allotting that insurance $ differently.

There’s about $400k in the TSP now (rolled over from a prior job) and I’m vested, but have only about 7 years of federal service. Thank you.