Why Would A Person Need Life Insurance? 
The only reason to have a life insurance policy is because you owe money or you love someone . The debt part is easy as many creditors require that you carry life insurance to repay the loan should you die prematurely . The love part is really basic . If you dont care , then dont buy life insurance . It might have some investment benefits but ultimately it is designed to ease the lives of those who will suffer when you pass away . 