Is It Smart To Buy Life Insurance? 
The question is too vague . There is not a perfect answer to this general question because everyone has a different situation . Talk with a local professional agent and discuss your goals , current financial situation , etc and you will be able to design the appropriate financial plan . You will find that some people need to carry 8-figure life insurance needs and some will not need any and just need to focus on the disability/long-term care side of the equation . 