You're 30 -- not immortal. If anyone in your life relies on your income, you probably need life insurance. Even if you're single, at a minimum, you should leave your loved ones with enough money or insurance to cover your funeral costs.

If you have dependents, you'll need enough life insurance to provide for them after you're gone. This will likely mean a six-figure policy (or more).

If you have a partner but no dependents, consider getting enough insurance to cover expenses for at least a few months so your partner can cover bills, as well as grieve your loss.