From my point of view, if you have no dependents, why are you concerned with life insurance? Life insurance is better if you are married and/or have dependants

From my point of view, if you have no dependents, why are you concerned with life insurance? Life insurance is better if you are married and/or have dependants, and your partner doesn't make as much as you, or they would be in a bad financial situation if you didn't. Example: having a mortgage with a partner that can't foot the payments alone. Also take into account the social welfare net that your country has, some countries have pretty fair safety nets, where it makes paying for life insurance not a necessity, as you already pay them in your taxes as you know your family basic needs will be taken care of in case something bad happens. In the US I'd find that important, but not so much in Germany, for example. There are too many insurance or financial products to take your money; if you decide to pay for all of them, you'll lose the ability to save. Furthermore, you might lose your ability to do an extra thing or two before you die. Better to make that vacation before your time is over. I notice some people are overly concerned with when they die. After having lost one of my parents, and having seen other family members passing away, you'd be surprising on how people adapt. On that topic, I saw family members completely change their personality and reach financial independence, because they had no choice to, and overall nowadays they are more mature than they would, if they could keep relying upon others all the time.