Indeed, I have no one to protect with life insurance.

Dave, you mentioned:

"Without a tangible such need, you would be better off using the funds spent on life insurance to invest in instruments promising a greater long-term rate of return."

This makes sense to me. Really, I probably need to either invest myself or obtain the services of a Financial Adviser, not a Financial Representative. Right? I am not certain what those longer term investments would be, although that's what I'll have to find with an adviser.

I just don't like the idea of life insurance. Neither does Dave Ramsey. Even when I do have a family, I do not see a great point to life insurance as one can create a 'will' or the like, which names all your belongings to your beneficiary. I'm also not sold on the "with the best company" line. No one can rely on one company, even if they have had a steady rate of 8% over the past 30 years. Say I end with 300k invested in life insurance. I just can't see it as an investment with a good return, and I'm looking for an investment with a good return.

I'm watching this topic. Thank you for the input thus far!