There are so many misunderstandings about life insurance. Cash value policies, which is what I promote, can help you throughout your life, while still leaving a benefit for your family. There is no other financial instrument that can do this.
Retirement funding, college funding, home purchases, vacation homes, cars, boats, home improvements are normal life expenses. Most people borrow from a bank and never get to use those interest dollars again. Cash value life insurance policies properly designed gives you use, liquidity and control of an asset, in a tax advantaged way.