I wonder if we should start selling forum insurance....
"Hey Capa -- We're only stardust." ~ "Sunshine"
“Pleasure to me is wonder—the unexplored, the unexpected, the thing that is hidden and the changeless thing that lurks behind superficial mutability. To trace the remote in the immediate; the eternal in the ephemeral; the past in the present; the infinite in the finite; these are to me the springs of delight and beauty.” ~ H.P. Lovecraft
If you don't have dependents (spouse or children or an aging parent you support) then you don't need life insurance. It's really that simple. On a related subject, everyone should have a will, even those without dependents.