A friend of a friend was just diagnosed with cancer and apparently he did not have any life insurance rates or even medical insurance. He is young. Just in his 30s. I reckon he thought he had his whole life ahead of him so insurance was the last thing on his mind.
Thanks for some overzealous parents I do have insurance. Its one of those things that you don’t want to get but when you have it, you are thankful when you need it. But if you don’t you feel its a waste of money. I see it as an investment that I hope NEVER to call upon to pay up for if I do it means somethings drastically wrong or I’m dead 
Which reminds me, I’d better check who my beneficiaries are.