The question of whether you should get a UK life insurance policy is all according to what type of risk taker you are in life, there are many situations that you might not want to risk when it comes to what happens should your life end unexpectedly. It's all according to the plan you choose. Should something happen to you without a life insurance plan, your family and loved ones are the ones who have to deal with it. Your policy is going to provide a certain cash amount to your beneficiary when you pass on, how this money is used is often up to that person. A plan for life insurance is to help in settling debts, help with covering the cost of burial or ceremony and it can make dealing with all the little details of death a bit easier.
Sometimes it's used to provide higher education for your children, or if it's a simple policy, to provide enough money to pay off bills, pay for the ceremony, and a bit to callida your loved ones for a short term of mourning.