Do I need another life insurance policy?

My broker offered me another life insurance policy. I have 1 through my business for 1 million. (annual premium about 450) I also have 1 personal life insurance policy for 1 million. (annual premium around 250) He offered me a PruLife Universal Protector policy. It's very expensive 2,594.00 annual for initially 500k. About Me: Single No children or other dependents Own 1 home that is paid off My gut is telling me i don't need it as I do not plan on having children soon and I am not married.

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