The test always is that if somebody is dependent on you financially, then you better take a hard look at whether you need life insurance.
Batman doesn't have anyone who depends on him financially and therefore probably doesn't need life insurance.
A full-time student with no siblings or parents who might be affected financially by his premature death, Harry Potter doesn't have a need for life insurance.
Stay-at-home parents like Marge perform many household services that would expensive to replace, and consequently have a significant need for life insurance.
Fred has a pressing need for life insurance to ensure that Wilma and Pebbles could maintain their standard of living if he were no longer able to provide for them.
You need life insurance if somebody will suffer financially when you die.