Offer your thoughts or opinion on the input financial query or topic using your financial background.

Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person?
If there are no dependents, there is no need for life insurance.  You mention getting insurance when it is not needed, to protect you against some future risk. If you have a policy and a disease crops up that would normally make you un-insurable, you can keep your insurance for the rest of the term. The cost for this would be very high. You would have to have a term that would last decades to cover you until some future child is out of college. If you never have somebody that depends on you for income, there never is a need for life insurance.