I would definitely speak with a financial advisor about life insurance. I bought life insurance for the first time last year and the big sell for me what the "living benefits" of life insurance:
-guaranteed, tax deferred growth...for those more risk adverse but still want to make their money work for them, a way safe grow you money
-"collateral" for policy loans...the example my advisor gave me on this one is the ability to borrow money against the cash value at any time for anything (such as buying a house)
