<prompt> Human: I am about to be 30 in a couple of months, i recently applied to term insurance with NYLife, and they approved it first. After a month or so they sent me a letter denying my insurance. Now I was taking term insurance just in case I kick the bucket, I have no wife, no kids. I basically wanted the money to be used for funeral expenses and a little something else for my immediate family. Seeing that this has fallen through, what should be my next step?Just some fund for funeral expenses? or should I not let this bother me?  <response>: Id pass until you have dependents. 