You’re covered through your job. Most employer-based policies are relatively small if they’re offered at all, and they end when you leave the company.
You have an accidental death insurance policy. While you have a greater chance of dying in an accident before you’re 35 than after, there are still other ways to die. And accidental death policies often come with strings attached. A regular term or whole life policy will give you much more effective coverage.
You bought coverage through a credit card company or your bank. Offers for life insurance that come with your monthly credit card or bank statement can seem appealing — especially since they’re convenient and cheap. But they’re not always good coverage. Make sure you know what you’re buying before you spend money on an offer like this.