Is it important, something you definitely need or is just some profit for the insurance company like the banks?
Do I place my life into the hands of banks if I apply for life insurance?
What do I gain by applying for it?
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It's betting against yourself. If you have no faith in your ability to stay alive and provide for your family it's a good bet.
Nobody can guarantee that. Not to yourself or your family. I hate my big L I premium. But not as much as I hate the thought of leaving nothing. Please get Whole Life, not term. If you settle for term life the day will come when you realize you made a big mistake.
Guarantee what? It's a gamble like I said, and you're a dumbass. Definitely buy the insurance.