<prompt> Human: I dont know much about insurance in general so I figured I would ask here before I signed any papers.Im 24, single, 35k student loan debt, working full time with 45k salary. As I said in the title, adviser is recommending 200k permanent and 800k 20 year term life insurance. The permanent is 114month and the term is 44month.On top of wondering if these are good prices, I also would like to know if this much is needed at my agepaygrade.I have the policies here if anyone needs more information about them.Assistant: If youre single, why would you need life insurance? Life insurance is to support those who depend upon you after you die. With no husbandwife and I presume no children, theres absolutely no need.Incidentally, the term insurance looks like throwing money away. Realistically, what are the chances of your dying before youre 45? Negligible.The adviser is not working in your best interests, and is only interested in the commission heshe will make.Human: Thats kind of what I was wondering, he was saying its better to lock in the rates now while Im preferred select health rating than to try to get insurance later when the rates are higher. Also he said to do 20y instead of 30y for term because I can transfer the term to permanent and Ill know by the time Im 45 how much Ill needwant in permanent.  <response>: Yeah, they say that. The reason that its cheaper now is because you are young and unlikely to die soon. It will be more expensive later because youre more likely to die when youre older. You wont save money by starting to pay now, they factor all of the possibilities in to the price. 