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?
Careful with saying "no need".  Look careful at the cost of life insurance. That cost depends obviously on the amount, but also on the age when you start paying into the insurance. If you take out a $100,000 insurance at 20, and someone else takes it out at 30, and a third person at 50, they will pay hugely different amounts when you reach the same age. You will pay less when you are 50 then the person taking out insurance at 30 when they reach the age of 50, and less again than the person who just started with their life insurance.  And as mhoran said, once you have insurance you can keep it even if you get an illness that would make you uninsurable.