Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Is there a benefit, long term, to life insurance for a youngish, debt, and dependent free person?
As Mhoran stated, no dependents, no need.  Even with dependants, insurance is to cover  those who would otherwise have a hardship. Once the kids are off to college and house paid for, the need drops dramatically.  There are some rather complex uses for insurance when estates are large but potentially illiquid. Clearly this doesn't apply to you.