Being well-insured can make your life better
There are many kinds of insurance, and in our modern society it is needed.
At the very least you need car insurance (if you drive), health insurance (it is required by law, in the USA), and homeowners insurance if you are buying a home (required by your lender). Apartment owners can get renters insurance. And there are many other types of insurance.
Life insurance is unique. If you are single, with no childern, that is one thing - but if you have people you care about, and especially if you have people who depend on you, then life insurance is definitely worth considering. No one can predict the future. But if you pass on earlier than expected, your life insurance payout can help your spouse with bills or the mortgage, help your kids pay off college loans or even help them cover the downpayment on their own house someday.
There are many types of life insurance, depending on your age and your needs - check it out!