If you know the difference between need and necessity read this. otherwise no need to read??? Please help your self. Take the Life insurance. For 500K coverage it costs you 20$ - 50$ per month at your age. useful when accidental death occurs. Please discuss to find out its use with your friends or with the persons already paying that. the small paymnet would be great help. Why Life Insurance? 1 http://www.andhrafriends.com/topic/515160-tv9-ap-student-died-in-usa/ 2 http://