Typical reasons include:

In general, the purpose of life insurance is to cover any unexpected costs that a family unit cannot afford or that would put the family's financial situation in peril.

If you're the sole breadwinner for a large family, with little savings, then term life insurance is essential. Once basic items such as shelter and food are covered, life insurance should be next on your list of priorities.

What would be the immediate impact on your family should you not be there to support them tomorrow? Are they counting on your paycheck in the years ahead to cover basic needs and future savings goals? Could they afford the funeral costs? Who would pay the home mortgage? Would your family be able to survive economically without you?

If you fit this profile and don't have life insurance, you might want to consider it and perhaps discuss it with your family.