<prompt> Human: Im 21 years old and relatively healthy. I have some minimal debt including a leased car my dad co-signed for. If I were to pass, my parents would have to take my 2 cats. This would be their biggest reoccurring expense as I currently pay for everything for my 2 cats and their 2 cats. I know I can bundle my life insurance with my car insurance for a discount, but at 21 it seems like a waste of money when Im on a strict budget. Thoughts?  <response>: Wait until you have a spouse or dependent children. 