I'm single & no children by choice too. Have no life insurance. My organs are all for grabs, & most likely try giving what left to a Med. school if they'll take it. I don't want to take up any space, or plan on leaving much to leave anyone. My IRAs have charites as Benficiaries. Women's charites.I would use this time to start to follow some interests. Especially the ones you can't do later. Bungee(sp?) jumping? Like I bred, raised, trained a few Good horses. You can't do that very well/safely at 65? Well the hands on mostly enjoyable part. My body is now falling apart. Looking back, I'm SOoo glad I did my horses when I did now. A mind with interests stays healthy at any age. I don't believe you should live totally for the future as it may not be there. Somethings have to done when you CAN do them. So stop & watch the sunsets as you go.