I am being serious though. I consider us all quite young when you consider life expectancy and I guess in my eyes (up until recently), I have thought that I wouldn't need to worry about those things until I am old, but you are spot on Lenny. It should be a young persons insurance for the very reasons you stated.

I am glad I started this thread. It has been great insight.

I am currently paying $30 a month for loan protection on a personal loan so why aren't I paying for protection on my life when it would probably cost the same if not less than my loan protection.

Going to get onto it this week.