hope my answer is really simple to understand since not planning for family, you do not need to plan for money to leave behind (Except maybe to nephew/niece) and you do not really need to plan for what if you die too early. but you should plan for what if you live too long. Typically living too long costs more money than dying too for a single male. this crucial especially when you are single because you have no one else to rely on in future when you are old. If you are young, you can still work hard to cover your expenses but when you above 80 years old, if you have no money, you really have no money already except maybe CPF.