Is it worth getting life insurance in Australia?

Is it worth getting life insurance in Australia, yes it is worth it if you have dependents, mortgage $500K and family relying on your income $70K per year, as it pays $500K to $1M lump sum if you die, costing $30 to $80 per month for $500K to $1M cover, protecting family from financial hardship. Life insurance worth it if you have mortgage $500K, kids and spouse not working, as if you die, family loses income $70K per year and may lose home, with life insurance $750K cover $50 per month paying $750K tax-free to cover mortgage $500K plus living costs $50K per year for 5 years $250K, total $750K, costing $600 per year, which is 0.8% of income, cheap for $750K protection. If you are single with no dependents and no mortgage, may not be worth it as no one financially dependent, though still worth $200K for funeral $10K and debts. Inside superannuation, life insurance default $100K to $200K for $20 to $40 per month, but often insufficient for mortgage $500K, so top up to $500K to $1M worth it for $30 to $60 extra per month. For example, 35-year-old non-smoker $750K cover $50 per month = $600 per year, if you die, family gets $750K, 1,250 times premium. So worth getting life insurance if you have dependents and mortgage, costing $30 to $80 per month for $500K to $1M, protecting family, but not essential if single with no dependents, though funeral cover $10K worth $20 per month.