I believe young folks should purchase life insurance while they are young and while it is cheap. Term insurance is a good choice provided the get the Return of Premium rider which will refund them all of their premiums if they outlive the term. Just another $10K-$15K check they'll be happy to see 30 years from now. I am also a big fan of cash value dividend paying whole life insurance as an investment vehicle as well as Indexed Universal Life Insurance which will allow you to get stock market gains without stock market risks.
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