<prompt> Human: Im 22, married, with a 6 month old. I make 31k a year not including SS tax, Federal tax, and health insurance - no 401K contributions at the moment - so really, Im left with about 26k. I have roughly 15k in debt, no mortgage, 1 vehicle in okay condition. I also have a life insurance policy through my job of 25k. When should I start looking into a life insurance policy? Is this something I need right away? How do I know which life insurance policy to go with? Also, are there any reputable companies I should look into? Any companies to stay away from?  <response>: When should I start looking into a life insurance policy?Yesterday. How do I know which life insurance policy to go with?Youll want at least 20, and probably 30 year level term. 