Never had life insurance. Was of no use to me.
Too late now. Not getting any.
Hmmmm... I guess I -do- have some kind of "life insurance" policy courtesy of the railroad, but it was the same for everyone. Fixed amount payable at death. I didn't sign up for it.
Also, I recall my parents took out some kind of policy on us kids when we were young. Wasn't much either. After my mom died in '87 my sister gave it to me, I cashed it in. Again, not something I signed up for.