insurance. It's too expensive. I'm not going to die in my 20s (30s, 40s, etc). I get it through work (a relatively small policy). I never thought about it. I don't have kids yet. My kids are out of the house. I'll get it later. My poor health makes it too expensive. I'll get it after I lose some weight. My adventurous lifestyle makes it too expensive. My family can live in my parent's basement if I die. My wife will remarry when I die because she's hot.

Each of these are reasons I heard in the short time I sold life insurance.