as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
why would parents, of a young adult without dependents, not profit from the young adult's term life insurance?
user
it is not likely the ya would die in 10 years. hence the investment the parents make in policy premiums would lose all of its money. repeat: lose all money.  on average, you'll slightly lose with insurance. it's there for peace of mind and to mitigate a catastrophe. it's not an investment. of course, if the ya is likely to die suddenly, that might change things. but concealing medical information would be grounds for denying the policy claim.
assistant