I think too few people plan for death. If it's affordable, then yeah sure, I'd go for it. It's particularly relevant if people rely on your income/there'd be no way to pay for your funeral. But if you do life insurance, please sort out a Will as well, otherwise the state becomes the executor and will get involved in what money goes where - and not a soul can do anything about it. I know a great will writer who is quite cheap if that's of interest, btw. Morbid talk I realise, I wish it wasn't though - dealing with death would be so much easier if everybody planned for their own.