I'm an actuary. Life insurance is good if you have a need for it, but not so good if you don't. Do you have family members who would go hungry if you died today? Get some damn life insurance to protect them in that unfortunate scenario. If you have enough money to support your family after your death -- or if you have no dependents -- then you may as well go without. Well, also you'll need some funds to cover your funeral, but that's relatively ancillary.
But yeah, think of it like Many Worlds Theory; in some universes, you die soon and in some you don't. Life insurance is basically just a way to take money from you in the universes where you don't die and transport it to the universes where you do -- where that money is more urgently needed.
