There are several possible reasons why one needs to have insurance even after having no depending child.

To support other dependent

There are evident cases showing that we are supposed to have a life insurance policy even if kids grow up there may be a disable child, old parent or someone whom you even want to help after you pass away.

Safety net

People are looking for financial security but if some family is facing some problems and if there is some death in family they would lack the emergency fund, which finally lead to a chaos. In order to avoid these blunders there is a solution to the problem you can have a life insurance this way one can help to family to cover the funeral cost even after death. In most of the cases where there are working husband and wife both will be getting pension even after retirement. And if one of them pass away the other will loose the major stream of income cash flow in order to avoid this decrease in income stream you can go for a life insurance which will help you to over come the decrease in income.

To meet goals

In present age if some one have dependent children he/she is supposed to have a life insurance as it will help them to meet the goal of supporting the child even after death.

To offset reduced Social Security survivor's benefits

We have witnessed many cases in which we have to face a reduction in social security. This can be due to many reason some times early death of spouse will disable you from getting a high social security and in order to avoid this we recommend you to go for buying a asocial security.

Blackout period

No social security and unfortunate death of your spouse these combine to get you in to hell a lot of trouble. The period in which do not get social security as your youngest child is done with high school and minimum spouse eligibility condition disable you from getting the social security until you are 60 which means crisis. In order to avoid crisis you are advised to be proactive and buy a life insurance fro a better future.

Paying of common liabilities

Both the husband and wife are earning and they engage in to some mortgage or some other debts if one of them pass away the burden will definitely shift to remaining partner which can cause a lot of hurdles. So if you are looking for a secure mutual benefit goes for life insurance as it helps your better half to pay off the liabilities which are common.

To pay unplanned expense

If you are a young individual you are definitely lacking saving which means you do not have any thing to pay off your funeral expense and other estate expense when you are passed away os being wise it is good to have a life insurance