In my time serving the insurance industry, i've heard a variety of reasons why folks don't purchase insurance or enough of it.
First, let me say that i believe in the products, which is why I purchase such products for myself and my family.
I've heard several over the years and my favourite is "I don't believe in life insurance". I submit that I have not heard of beneficiaries refusing to collect the proceeds to support that claim. There should be more insurance benefits refused if the statement matches the reality.