<prompt> Human: Two financial advisors at USAA who both claimed to not be paid on commission urged me to get extra life insurance, beyond the the standard I get at work. I am single and childless and have no plans to change this. I have more than enough in assets liquid and otherwise to cover my expenses if I died suddenly. I see no point in getting life insurance... am I missing something here?Details: Im 32 years old, in good health, and have a six-figure net worth.  <response>: It makes zero sense, especially if youre getting it through work PLUS youre singlechildless.They are trying to sell you a product. You do not need that product. 