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Look at what ur work provides u (life, critical illness)
Do u have a wife, kids, or other family that (whether u know it or not) rely on u? This drives ur insurance needs
I currently just have what my work gives me (I live in no country where it is high anyway on all fronts, and my company is also very generous), so no need for me to get more.
When I get married, probably the same
As soon as my future wife (known (to both of us), not some mythical creature) is pregnant, I will get a monster term life insurance policy to cover that kids' upbringing if I died (20 yr policy, either as a 10 and a 10 or a 20), by the end of that my assets will cover my wife's needs, plus she will back way back into her career, and my kids will have their education taken care of - they will have every opportunity to thrive in life, which is my goal if I died, with my wife comfortable being single (whether she stayed that way or not)
So, with that, think of ur life plan and how insurance fits into that.
As far as I know, financial advisors make a lot off insurance, but are a good resource.
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