re: Everybody wants to sell me insurance...

First, I agree with the comments about an umbrella policy. I'm not clear how people who call themselves "financial planners" are so remiss about this. They are mostly commission driven. Mostly, not all.

With respect to life insurance, which is actually premature death insurance, I own term and universal. The insurance cost inside my universal contract is actually lower than many budget term policies. I fund it for death benefit purposes, and expect the cash value to exhaust itself at 90 funded at present levels, based on the guaranteed side. It's unlikely I'll need it at 90. I'd anticipate over funding it at age 50 for other reasons.

I would maintain that proper financial planning means that eventually most won't need pre-mature death insurance.

There are a lot of decent pre mature death insurance companies out there. I like the model where they run it like a property casualty company, and the sales persons are as knowledgeable as a decent commercial insurance agent. Agent being different than sales person.