Ellen, I think your husband is bloody lucky to have so caring a wife as you.
I think Fujifilm's suggestion of getting him to write a will is excellent. It's a really confrontational proposal to put to him, but it sounds like shocking him may be the only way left for you. You have a right to know what he will provide for you and your child when he dies.
Other than that, he seems desperately in need of counselling. If he has three children and has given up on living at his relatively young age then there is probably a deep-seated problem that needs to be dredged out of him, and that he may be unaware of. Counselling can help and can actually turn things around. Or couples counselling.
I'm really sorry for your difficulties and hope there will be a way through.