None of us likes to think about death. But it happens, even to young people. What happens to your loved ones after your death (whenever that may be) depends on what you do today with your money: spend a few hundred dollars on an upgrade to a perfectly fine smartphone, or put a portion of that into life insurance to protect your family.
If you were to die, would your family remember that phone? Or that they didn’t have to move from your home, your neighborhood or school? You have a choice. How do you want to be remembered?