I think this thread is the reason so many young people don't have life insurance.
The average 21 y/o who went through the Yeshiva system and gets married, knows that he has a responsiblity to purchase some term insurance. What turns these young people off is the snake oil insurance salesmen pushing WL and other funds which is not explained properly or in the customers best interest.
Finding a new agent might be the answer but many young people will just say that they're young and healthy and they'll get insurance when they are a little older and more educated. By then they are 40, marrying off kids and will have a much harder time getting the coverage they need.
If someone really wants to change what's going on out there, there needs to be some basic life insurance education offered (in post EY Yeshiva's?) and some affordable, basic, easy to understand plans available. Yes, people are stupid and lazy but we need to reach these people so there isn't a Charidy every day!