My tried and true method is telling my clients that someone always pays for life insurance, whether you buy it or not. If you don't buy it, and you pass away, then your family is the one who ultimately pays. Whether that be your spouse going to work to support the kids or your kids going to work to pay for their own education. If they can't do it, then they will be dependent on a charity or the government to help them out.
If you never needed to use the death benefits of life insurance, it can serve as a source of savings on reserve for living needs that may come up between now and when you would like to retire with dignity. Life insurance places you in control of the consequences when life happens, live or die. I then ask them to let me put a couple suggestions together for them and let them know they always have the veto power.
