It may not be a popular opinion, but I don't think single people (and even many married people with no kids) need life insurance.
I don't carry any and it always mystifies me when people insist I should. Why? DH doesn't depend on my income, we have no kids, and we have plenty of savings to cover the very cheap funeral I want.
It always butters my buns when people talk about getting life insurance to cover your "final expenses". Funerals don't have to be costly, and even if one did want to throw a huge funeral, the decedant's savings should cover it and then some.
If you have no dependents and you're in such dire financial straits that your savings wouldn't cover your own funeral, I think the money you would spend on premiums would be better added to a savings account.
But that's just my opinion. People need to do what allows them to sleep at night.
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