Life Assurance - is it really worth it ?

Saw these stats recently and following another conversation about life assurance that ended in " I'm ok, I'm fit and healthy, I don't need life assurance."

Between the ages of 25-34 a man has a 1 in 1215 chance of dying, and a woman 1 in 2488.

Between 35-44 it falls to 1 in 663 for a man and 1 in 1106 for a women.

(mortalitiy statistics from the National Statistics 2012)

Life assurance is there to protect dependants and loved ones. It's only a small chance, but there is a chance. I recommend my clients take a small policy, just to try and take the complete despair out of a terrible situation.