<prompt> Human: I find the advice from this subreddit to be extremely useful, and wanted to ask if it would be appropriate for me to continue thinking I dont need life insurance.I have a doctorate degree and a few years of experience doing something that is very specialized, and only expect my job security to increase as I gain experience on it. I currently take home about 100-110k per year and rent an apartment for 1kmonth and pay a car loan where I still owe 50k.Im almost maxing out my 401k and roth ira, and still have about 1k to spare every month after all expenses.As I continue thinking about saving money to buy a house or have flexibility to move either with the company or not, I was thinking about life insurance.I have very close nephews and nieces but luckily my siblings are financially stable. No kids, no wife, and as of recently... No girlfriend.At the same time, I know that life insurance cost could increase significantly if I dont get it while Im young i.e. Less than 30. That said, I have no idea as to whether it would be worth it for me. I do plan to have kids one day, but that will obviously follow finding the right person, which could be 2 or 10 years from nowAs for my health, I would consider myself in great shape, and exercise 5-6 times a week, though cardiovascular disease and cancer has been around my extended family.All input welcome, thank you.  <response>: You dont need life insurance. You have no dependents, and no mortgage. Your 401kIRA would be more than enough to cover a funeral.If youre making 100-110k per year, a very small increase in term life insurance when you buy it after age 30 if you need it wont make a difference. 