Life insurance...not sure if needed.

Now, I haven’t ever applied for life insurance. I know it’s purpose (ignoring the morbidity of the reasons why I’d need it now) but just couldn’t get myself to jump through all the hoops for it. I’ve head of life insurance no medical type ones where you can avoid wasting a whole day at a doctors to prove anything. Then again I don’t currently have medical insurance so getting a doc to do anything would already be an out of pocket expense.

But I’m working on getting that situation fixed up. The health insurance would be an obvious help, but the life I just can’t see its purpose. Even if I suddenly up and die I have no outstanding bills that’ll hurt anyone. Gah, I just wish I could see the point behind it.