Being responsible also means ensuring that your loved ones or financial dependents are safeguarded in case an unfortunate event of death or disability occurs to you. That protection to your family can be provided through life insurance.
Most youngsters won't buy life insurance because they procrastinate this decision of buying insurance. They would spend on gadgets, outings, fashion, etc. which may be a good choice or may be appealing but financial planning for the future is also important. When realization strikes most of them would already be 45 or older and hence may have to pay more because life insurance is directly linked to age or may have a hard time getting his/her policy issued due to medical issues.