<prompt> Human: Some background:Ive been interning with a law firm since January and was recently hired as a full-time employee. I was given forms for medicaldentalvision insurance, which I will be waiving covered by my moms public sector plan until Im 26, thanks Obama! and life insurance. I have been assured by my firms HR team that my wages will not be garnished to pay for the insurance and that there is literally no reason to waive the life insurance policy, which I am currently inclined to believe. It would be a 10,000 policy with the Guardian Life Insurance Company of America. With that in mind, I am unsure who I should name as the beneficiarybeneficiaries. I am not married or seriously dating anyone right now. My parents who are divorced are both employed and, as far as I am aware, living both comfortably and within their means. Both have pensions and retirement funds, and I cant imagine either would significantly benefit from 10,000 or 5,000, if I were to split it evenly between them. I also have a younger brother who, as long as he graduates within 5 years, has his college education paid for and who--for reasons I wont get into here--has pretty decent financial health guaranteed for after his graduation as well. While I am tempted to name him as a beneficiary, I am not sufficiently concerned about his financial health or long-term prospects to name him for financial reasons alone.So, Ive been considering naming a charity or two as a beneficiary or, at the very least, as the contingent beneficiary of the policy. Is this a good idea? Also, Ive been involved in several philanthropic causes before but Im not passionate enough about one or two in particular that Id know exactly who to name if this isnt such a crazy idea. Does anyone have any recommendations? Id be looking for a charity or two that is known for using money efficiently. I give blood regularly but have heard mixed things about donating to the American Red Cross. My mom is a breast cancer survivor but I havent heard great things about the Susan B. Komen Foundation. A couple of my friends have taken their own lives, so Ive been thinking about donating to suicide prevention or something depression-related. Just spitballin here--Im really open to anything as long as the cause is good and the money will be well-spent.tl;dr: Im taking out a life insurance policy for work but dont feel obliged to name my immediate family members as beneficiaries because they live comfortably. Is it a good idea to list a charity or two? And, if so, which?  <response>: Yeah, 10k will bury you. Thats the point. 