[JavaBrewer]

Term insurance at your age is very cheap. The longer you wait the more expensive it gets. If you plan on having a family you need to look into insurance now. I lost a co-worker to a heart attack several years ago. He had no life insurance other than a single $35K policy from the company - his wife had to scramble to pay the bills - including his funeral and burial.

I have a wife, 2 kids, a mortgage, and all the associated expenses. It would be very short sighted for me to not carry life insurance. Discuss with a professional the amount of coverage you should consider.