While most people are certainly underinsured and that's a whole other topic, it's downright irresponsible to not have any Term coverage in force. For the cost of a pizza a month or darn close to it, can at least buy the surviving spouse/beneficiary a little time.
Knowing that there will be $100,000 - $250,000 or what have you coming in within a few weeks can go a long way to putting food on the table and the bills paid.
