Getting a life insurance policy is good, very good. But quite a lot of people are just afraid to get it, especially in this part of the world. They think, "I'm not ready to die yet, so why should I?".
Just a little education; life insurance policy (for those who don't know) doesn't mean you're going to die soon, NO.
You probably need life insurance; if you have small children, a mortgage, a spouse or family member (aged mother, father. . .) who’s dependent on your income—or any person who would be inconvenienced financially if you were hit by a bustomorrow. Though no one prays for this.