Tell me what I don’t know about life insurance.

I was offered life in­surance and thought I need in­put from LessWrong peo­ple be­fore I ac­cept or de­cline the offer.

Please share your per­sonal ex­pe­rience, if any, with me.

Thoughts that have oc­curred to me:

What are the odds that that com­pany will be around in 38 years? I mean, both World Wars fit in that time span.

What is the prob­a­bil­ity dis­tri­bu­tion over how much the Euro will have in­flated by then? Does that even mat­ter?