I think we should get some kind of life insurance. One that you can afford. Most insurance salesmen would encourage getting an insurance at a younger age. When you get older I think the payments get higher and then there are medical check ups.
Most jobs offer either medical or life insurance for their employees. Whenever you sign a contract always check the small print.
There are advantages in getting a life insurance. Whatever happens to you for sure your beneficiaries or family will be taken care of. If you can start on a small amount and later you could increase it.
Besides life insurance it would also be good to get a medical insurance and burial insurance. Some would say it is a waste of money but in the end it could save your life. Sometimes when a medical emergency comes up your medical insurance comes to the rescue.
Life insurance will cover other expenses but sometimes not the expenses of the burial so having a burial insurance, it can help your family too. Then whatever is left your family can budget. At least you know your family will be taken care of.
Life and death is all part of life. We all get born and we all must die. Getting prepared for it is a very good thing to do. We can never be sure how long our life will be here on earth. We can not escape it. We also should not be afraid to talk this over with our families.
So my advise is to get a life, medical, or burial insurance while you are still young and research the kind of insurance and what it offers, do not be afraid to ask the company what it offers. You are paying for it. Try to get one you can afford and can be upgraded later.
I know not all of us can afford to get a life insurance but there are some not so expensive ones and easy to budget. Maybe some government agencies have them. I am guilty of not having a life insurance now. I used to have one but I was not able to continue and I did not read the fine print, if I do not pay for 5 years or more I forfeit the insurance. Too bad I was able to pay only for 3 years.
This time I hope my daughter will get one and make me a beneficiary haha. I am too old and will need more requirements and I might not pass the medical exams.