3 ms·By your logic, no one would have to buy life insurance.by mirthflat83 7y agoBy your logic, no one would have to buy life insurance.versk 7y agoBut your risk profile for death is extremely high.opless 7y agoOn a long enough time line, the survival rate for everyone drops to zero.lr4444lr 7y agoThe risk life insurance smooths out is typically borne not by you, but by your beneficiaries.