I have been in the life insurance business for more than 40 years and have heard many uninformed people criticise life insurance. You pay to get a policy that basically doesn't do just about anything for you personally however, you usually need it anyway.
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Almost everyone could take advantage of having life insurance, but many people are not aware of the ways in which their lifestyle would improve the monthly cost of their life insurance plan. These accounts gained popularity in the 1980s, 1990s, and 2000s. Life insurance companies have marketing divisions which make an effort to sell a policy, but this doesn't actually do much for you in regards to education.