<prompt> Human: My financial planner had me apply for a life insurance policy today, but the more I think about it, I just dont know why I need it. Im in my 30s and dont have kids or any debt. My husband has a high salary, and my income is really only used to pay for my personal expenses. So... whats the point?Edit: Wow this got a lot of replies! Thanks everyone. A little more info - the financial planner is a fiduciary, does not work for Northwestern Mutual. The policy is term, not whole. Ive reached out to him with this question, but havent been able to connect yet. But some of the responses here are whats making sense to me: that within the next 30 years, our situation could change. My husband owns a successful business, but if it fails, and I die, the policy would be there to help him.  <response>: You dont need it. Your financial planner needs a new car.Alternatively, dont have a financial planner, or see one for only an hourly fee, not who operates on commission. 