I personally wouldn't get insurance for someone who doesn't want it. I'm one of the tiny minority of people who don't believe in life insurance, especially huge policies. I know all the arguments - money for funerals, money to put kids thru college, paying off mortgages etc. Sorry, just don't believe in making money on the dead. If I have to pay for my dad's funeral, it will be something that I can afford and nothing more. Kids can put themselves thru college. Survivors can pay off the mortgage or sell the property. But that's just my own feelings about it.
Others should do what makes them comfortable.