Life Insurance - I Don't See Myself Needing It

In many parts of the world that I know of, people do not like thinking of the possibility of their death. This rubs of on their thinking of life insurance. No one thinks they would need it.
If you have ever witnessed a family reduced to penury because of the death of the bread winner then you would see the need for every one who has any bit of love for his/her family and wishes a bright future for their offspring to have a life insurance policy.
Think of life insurance as a business plan to protect your family.
It is not at all possible to replace the loss of a loved one with financial compensation. It however makes it easier for the survivors of the deceased to live a fulfilled life in the absence of the insured thought they would feel the emotional loss for a long time to come. In fact they may never really fill the void caused by the loss but at least their quality of life would not be over turned.
There is a lot involved in life insurance that you may not understand unless you take the time to talk to an expert. Life insurers does not only benefit your family after your death. You can draw on your life policy in some situations. Ask your financial adviser about income protection benefits.
Do not be in a haste to say I don't need life insurance. It might actually have been the answer to the question or challenges you may have been having now had you gotten it earlier.
I read about a widow who told her husband financial manager "I know how much he loves me because he battled to pay the premiums so now I do not have to battle without him" What a great thing this man did while he was alive so that even in death he was still providing for his loved ones.