I think it is always interesting to look at the statistics around mortality rates in New Zealand to understand the real risks that need to be considered. Nobody consciously thinks about this but it does provide a context for making decisions on insurance.
Males age 1 to 2 and 10 to 35 die at double the rate of females
Males aged 35 to 55 die at a 40% higher rate than females
In causes of death males are three times as likely to die from Melanoma, suicide and motor vehicle death as females
Life expectancy is currently 83 years for females and 79.3 for males.
The good news is that life expectancy rates for males is increasing
So from a risk point of view for men, having adequate life insurance as early as possible is a good thing.