Life insurance is about taking care of your loved ones. It protects your family and lets you leave them a defined, non-taxable cash amount at the time of death. It can also replace your income, so your family can maintain their quality of life.
Health Insurance
This is the logical first step. Whether your employer provides a health insurance package for their employees doesn't matter. Employers almost always have extensive knowledge concerning health insurance issues - even if they don't offer it. Bring up the subject with your supervisor. Ask what he/she knows about it. You will likely be surprised.