Is term insurance really necessary?

Hello

I’m 24, F I make around 70K a month average( variable as I freelance part-time).

I am a lesbian and I don’t see a marriage or children anytime soon. I have a partner of 3 years, with whom I see my life, but we have decided to not merge our finances until we are mid-30s but few reasons.

I do have parents and no siblings. They are financially independent themself, mum will retire is 6 years and she will have pension of 30K post that.

So my question is should I really consider term insurance, if yes which one and how would it benefit me ? I’m a noob pls explain to me like I’m 5 years old 🥹💌