One thing that is common to all humans is death. Death comes to us all at any age and time, yet it is one of the least discussed topics. As certain as death is, you would expect that humans would have at least make necessary preparations before they die. This is what life insurance was designed to provide but yet, many people shy away from it. Let's try not to be judgmental but how can you love your dependents and leave them in financial disarray when you die?
As important as life insurance, one has just to be honest about the fact that not everyone actually needs it. If you do not have any dependents, you can decide to skip this policy but we know almost all adults have at least a dependent. So when the issue of life insurance is being discussed, few people state that they only have dependents for a short period of time. For example, they say once the kids have all graduated from college, they all cease to be categorized as 'dependents'.
Usually these kinds of people see no reason why they should opt for life insurance. If you have basic understanding of how life insurance works, you will quickly understand those sets of people have been talking to the wrong life insurance experts. There are basically two types of life insurance - Term and Permanent. Just like you can deduce from the names, Term insurance is for a limited number of years. Permanent is for meant to last forever. So for someone in the above example, they can opt in for a Term insurance and get the best out of it. Don't leave in assumptions; visit a professional life insurance agent or company for further clarifications.