Any term life insurance agent will tell you that there are many good reasons to buy life insurance. Some of those reasons include covering your mortgage and other financed purchases if you should die, allowing your kids to go to college even if you’re not around to pay for it, and replacing lost income. But we think for some people, there are perfectly legitimate reasons not to buy life insurance. Here are some of the best ones:

• You’re never going to die. If you are in this category, there’s no need for you to have life insurance. You might chuckle, but you’d be surprised how many times in a given week term life insurance agents hear, “I’m not going to die.” If you are in this category, contact us. We’d like to know how to sign up.

• Nobody’s going to care when you die. If you’re in this category, you have a bigger problem than lack of life insurance. Get out of the house and find somebody to be nice to. This category might save you a few bucks in term life insurance premiums, but really, it isn’t worth it.

• The government is going to cover your final expenses. The government pays out less that $300, but hey, if your family knows someone who will cremate you in a burn barrel for that much, you’re good to go.

• You don’t want to think about death. This is understandable. No one wants to think about dying. And who knows, if you don’t think about it, maybe it’ll never happen.

• I’m going to be old when I die. It must be cool being able to know how the story ends while it’s just beginning.

As we’ve clearly shown, there are several very good, sound, logical reasons not to buy life insurance. It all depends on your life’s circumstances. One reason we did not include, of course, was “because I can’t afford it.”

While all of the reasons mentioned are completely reasonable, of course, the idea that you can’t afford term life insurance to cover your loved ones’ needs if you should pass away while you’re reading this using Internet service which costs more than your premiums would be is, frankly, ridiculous. Especially when you consider those whose budgets are tight are the ones who need life insurance protection more than anyone. After all, who would pay the Internet bill if you died?

Never mind. We forgot. You’re not going to.

Photo via ephemera assemblyman