The reply that got me most was that $50,000 won't be much, factoring in inflation, when I kick the bucket, which we all will someday.
I don't have any dependents right now, if my boyfriend and I have kids we'd like to adopt.
My parents, whom I think the world of, had the best intentions for me (and my future dependents), when they signed me up for this whole life when I was two.
Of course there's the issue of covering my burial/cremation & funeral costs. I'd at least, for now, like to cover that, in case... I don't want to burden anyone else with that, and I'd want guests to celebrate my life. Kind of a weird subject to think about, but hey, it's inevitable!
I'll talk to my rep for the whole life and see how I can get out of that, and into a term life policy.
Me--own my own home w/o parents' help, regular contributor to my Roth IRA, 1.5 years left on my student loans, piddly income as an architect