when you die what you own covers what you owe your parents and children are not left with your debt so the only reason to have life insurance to cover your debts alone is if you have a spouse and that spouse would not have enough to cover those debts
there are reasons to have life insurance but a single person does not leave debt to others, this is something I believe that life insurance salesmen tell us to make us buy insurance so we do not force our parents into poverty when they are forced to cover our bills
My uncle died with no money and no children that were still talking to him and not only did they not come after his mother the family pulled together and we cremated him and bought a fancy urn for grandma to put him in ,the entire cost was 800 dollars
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