<prompt> Human: A little background information: Im 28, single, in perfect health, and make 92kyr with a likely 10-15 bump coming within 6 months. I have a well funded 401k 13.5kyr. and an IRA 5kyr., along with an investment account and a personal savings account that sees 1,200 of contributions a month. So, Im doing a good job of saving for my retirement and have a good amount of liquidity. Where Im lacking is protection. My companies free life and disability insurance arent that great, so I decided to consult a financial adviser to do a comprehensive review of my finances.I qualified for a 1.6m insurance policy through Guardian with an annual premium of 8,400. Over time the cash value of this account will grow to be pretty substantial, but Im really struggling with two things.1. Why get a life insurance policy if Im single and have no one depending on me?2. Is it worth taking money that otherwise would fund my investment accounts and putting it into this annual premium?The policy would have an accessible cash value starting year 2; so its not locked down for x years before I can withdraw cash from the account. It also has a guaranteed interest rate of 4 throughout the life of the policy and I can use any dividends paid to reduce the amount of the yearly premium.Id like to hear some advice from anyone whos been in my shoes. It seems like a responsible thing to do and will have obvious long term cash benefits, but Im really struggling with the question of Is this right for me?Thanks in advance!  <response>: Why on earth would you get ANY type of life insurance if you have no dependants? 