You may want to get Insurance cover if you know that you are the only source of income for your family. There could be several reasons for you to get a life Insurance cover. Your loan/ mortgage payments, your wife/ spouse and childrens, your business, etc. These are some reasons why people opt for life insurance. Unless you have a valid reason to insure your life, don't do so.
It is important to know that a life insurance policy will simply ensure your family spend their lives in relative comfort. You will have to define your objectives before you go for an Insurance cover.
Taking out a policy for insurance involves making crucial decisions such as how much you want to be covered for. Some people take out a insurance cover policy for an amount that they cannot afford to pay for. Always ensure that you take your budget into account before you pay for a life lic policy.