Is life insurance recommended for individuals without dependents?

When considering the need for life insurance for individuals without dependents, it is primarily designed to provide financial support to loved ones in the event of the policyholder's death. Those with dependents, such as children or others relying on their income, typically have a compelling need for life insurance to ensure that their dependents are financially secure.

For individuals without dependents, the necessity for life insurance diminishes significantly since there are no people relying on their income for support. Thus, choosing to forgo life insurance becomes a reasonable decision, as the primary function of the policy—providing financial protection to dependents—does not apply.

While there might be scenarios where some individuals without dependents might still consider life insurance—such as those concerned about covering funeral expenses or leaving an inheritance—these instances are not the primary rationale for life insurance. This understanding helps clarify why the option stating that life insurance is primarily for those with dependents is the most suitable answer in this context.