As far as today, you have lived your whole life without really needing insurance.
It really is not just about protecting your life. You can imagine it to be something bigger than that.
We avoid it like the plague, we think that we do not need it now or the time has not even come yet to think of such things. You can never really choose the right time or you sometimes wait too long for it until it is too late.
Being young, you have this spirit to constantly go and see what else the world has to offer. That constant traveling may be good for your emotions but not so much for your bank account.
Paying the bills often becomes a balancing act for us. From sorting out the “priorities” from the ones that you can pay past their due date.