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?