<prompt> Human: What the title says. I got an offer in the mail the other day for term life insurance from some company that was referred by my credit union. At my age, a 25K policy would cost me like 14mo, and then rise every five years as I get older, which I guess is pretty typical, I never really looked into life insurance.But whoever my beneficiaries would be arent now dependent on me for anything, and were anything to happen I dont have anything that would require much in terms of legalities no property or debt, and any other costs that I could foresee coming from my demise could be covered by my liquid assets and retirement funds.But I dont want to leave anything out, so would a small policy still benefit me at all?  <response>: Generally, no, but it might be a good time to get a term life insurance policy locked into place for the next twenty years or so if you have plans on getting marriedkids in the future. Itll just be more expensive if you wait until youre older. 