<prompt> Human: So a little background about me first: Im 23 Im never going to have kids Im gay and dont plan on ever adopting I dont plan on getting married anytime soon I currently live by myself and have no dependantsGiven the following information, do I really need life insurance. It seems like everyone I work with, my parents, my insurance agents, and my relatives all tell me I need to get it now since its cheaper when you are young. However, I really see no point in getting it based on the points I listed above. It would feel like I would be throwing money away every month if I did. Is there really any point in getting it if I dont plan on settling down with a guy anytime soon? Thanks!  <response>: From the information youve given, no. 