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The results of this poll might be more meaningful if it only included answers from people with dependants. If, like me, you are single/divorced with no children or dependants, you do not need life insurance. You do not need to take out a policy to pay the mortgage or other debts in the event of your death -- let them make a claim on your estate when you're gone! Your money is better spent on other things here and now while you are alive.
I remember an insurance salesman once trying to sell me life insurance. I pointed out I was single with no children, and asked who would benefit by the sum to be paid on my death. He was taken aback for a moment, then rallied with "Your mother?" I pointed out that it was far more likely that she would pre-decease me.
You could valuably point out that it is vitally important to make a Will. A lot of people assume that their partner will get everything on their death, or that everything will be all right and fair -- but the chances are it won't be. If you and your partner are not married, or if the house is in the husband's name only -- this could be a recipe for disaster. There is no such thing as a "common law wife" in law. Both spouses should have up to date, valid Wills.
Finally, on insurance, it would be nice if all insurance companies paid up without quibble on a valid claim. But a lot of them don't; a lot of them will reject a claim for no apparent reason, or will make it very difficult for you to persist with the claim (I don't mean life insurance here!). It's just that we don't all trust insurance companies.
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