<prompt> Human: My parents and a family member who is in financial planning are urging me to get Life Insurance. Thanks to this sub, Ive seen the folly of Whole Life. The question is, should I get anything?My parents argument for starting a policy is that the policy will be cheaper now than it will be down the road when, presumably, Ill have a wife and kids - though, thats just not guaranteed either.Im 37 years old. I have a pretty good job, and Ive been saving aggressively - 400k in Vanguard. I help my family with occasional expenses, but no one is otherwise depending on me.Should I continue to just invest in index funds as much as possible and get a Term Life Policy ifwhen I have my own family? Or, is it a good deal to start a Term Life Policy while Im youngish?  <response>: If you have no dependents, theres not much point to have life insurance. I wouldnt get one. The only time I think its reasonable with no dependents is if you have 0 net worth and want to cover funeral costs for your family, so you can get like a 10-15k term policy as to not burden family members. In your case, I dont see how itll be useful. 