It really comes down to what you want funds to be used for when you pass. Some examples:

-taking out a small policy to help cover funeral costs when you pass

-taking out a policy to cover the gap from a loss in income after passing (e.g. husband takes out a life insurance policy so that when he passes, the wife has a buffer to pay various expenses and doesn't have a financial burden while she's mourning the loss of her husband OR leaves enough to pay off a mortgage or some kind of debt so that the spouse/children don't have to deal with it)

-taking out a policy to "leave a legacy" (e.g. someone wants the proceeds to go to their college/university or favorite non-profit)

These are all examples, and I'd suggest meeting with a financial advisor or planner who can look at your specific situation and help you identify specific gaps/risks where insurance could be a potential solution. Don't be afraid to shop around and wait until you find someone who you can trust is looking out for your best interests, not theirs or an insurance company. Also going to someone who doesn't only deal in insurance and hearing what they'd recommend might help ease your mind - I don't think it can ever hurt to get a second opinion.