<prompt> Human: Here is a little snippet from the email I received that prompted this post: You are at the perfect age to place Life insurance since you are young and the premiums are affordable.As the title indicates, I am a physically healthy 28yo male, no health problems to speak of besides mild asthma. I also am financially stable and have a good job. I recently have been receiving emails through the company I get vehicle insurancerenters insurance through encouraging me to take out a life insurance policy. I have no dependents and up to this point have not even remotely considered life insurance because it just seems ridiculous. Its also worth noting I can afford it, but I dont have a great reason to pay for it. Having avoided any major disasters up to this point, I dislike insurance systems on the whole and feel I already pay plenty to insure myself against disaster. My questions to the reddit community:why should I buy life insurance at this early age?how does paying into life insurance adjust as you get older or get a family?from a wealth growth perspective, does it make financial sense to start paying into life insurance early will this save me money on premiums down the line?any other advice in regards to life insurance is appreciated!If you could ELI5 that would be appreciated Im not hip to the insurance company jargon and feel this would also benefit others. Sorry for any formatting and typos, written on mobile and first post...eek!Edit: I was discussing this with a coworker this morning and discovered I actually get a life insurance benefit through my work. I read all your responses and appreciate the advice nonetheless! Thank you  <response>: If you dont have dependents spouse, partner, kids, parents who rely on your income, you dont need life insurance. 