I always have this negative feeling about insurance, especially people that sell insurance. One thing, I feel its kinda "bad luck" to talk about the "what ifs" even before it happen. And second, most of the time, these people are not selling because they truly care that you are taken care off if something happen but more often than not, they just want to earn money!
But its undeniable though that having insurance is definitely beneficial for us, to prepare for the "what ifs" in our lives. Its good to have life insurance comparison so that we know which company really cares for the customers. Some insurances can be really good and cover all kinds of "what ifs." So be sure to research properly before you make the big decision.