Does A Single Person With No Kids Need Life Insurance? 
It depends , is there someone who will have to take care of your stuff and clean up your situation if you pass ? In other words , you may be single , but is there somebody who loves you enough to be that person who handles your service , settles your stuff and maybe empties your apartment or home . Usually it 's your mom . The question only you can answer is how much more difficult do you want to make it for your mom ? Is n't losing a child -LRB- no matter what age -RRB- for a mom , hard enough ? Would you want to add to the pain by having her come up with the money to take care of what you leave behind ? Do you want her to forgo wages because of your situation ? For me , as a young man long before insurance as a career came into place , the idea of being single and owning life insurance made sense . I simply did n't want to crush my mom under the burdens of losing me , paying for my service , dealing with my stuff . I know usually somebody will whip out some `` math '' to get you not do what I suggest and that 's fine . Sometimes the `` Math '' simply does n't matter . Your choice . 