do i even need life insurance?

A similar question would be: "Why do I need Life Insurance?"
My answer is usually, it depends on your circumstances.
For example, if I have a mortgage (or owe money to others) I need to ask these questions.

What will happen if I die prematurely? (I mean, not live to a ripe old age!)
Who will pay that debt and how?

Do I have a family with young children who are dependent on me and my income? What would happen if that income stopped overnight?

Do I have cash reserves that would replace my income? (And for how long)

Obviously if there are no dependents (those who need my income to live), the need for life insurance is far less than a family with young children.
Although even if there are no dependents I should consider: "Do I have enough cash reserves to pay my final expenses"? E.g. Funeral and solicitor's costs to finalise my estate.

THESE ARE NOT TOPICS WE LIKE TO THINK ABOUT, BUT IMPORTANT NEVERTHELESS.

Our objective is to ask our clients once a year to go over these questions. Then, once any adjustments are made, forget about it for another year - knowing it's sorted!
A part of the yearly review is to ensure the amount of Life Insurance you carry is calculated correctly, taking into account your current circumstances. This ensures if claim time comes the correct amount is paid out. It can also save you money on your premiums!

At the end of the day, life insurance is a very personal decision. I'm 71, no mortgage to speak of, kids all left home, some cash reserves, but I still carry a reasonable amount of Life Insurance. Why? In my occupation as a financial adviser, I have seen the benefit time and time again.

Another question I ask our clients every year, (that can sound like a
dripping tap!) "Have you got your will sorted yet!" Something else to think about :)

The above is a general outline only. It should not be considered financial advice. For that, talk with a Financial Adviser who is qualified to advise in this area and registered on the Financial Service Providers Register, found here: https://fsp-register.companiesoffice.govt.nz/