I know the whole insurance thing really is not that exciting for people my age. BUT I must say I was really helped here. Friends of mine who are getting married were looking into insurance and they went to Krums. The rate was awesome so I decided to wing it and emailed for some information... turns out that life insurance is so much cheaper if you buy it when you are in your 20's. Mike Krum is the owner and he showed me options and I got hooked up with a Universal Life policy for only $35 bucks a month. I pay it for 20 years only and then I have it for life...a 100k policy. I was shocked how reasonable it was. So I say if you get around to long term future planning give Mike a call. He's very easy to work with and makes this whole process easy to understand. And the best part is that you can do the whole thing without actually going to the office. There is an exam that has to be done but its with a service that you arrange to come right to you either at your house or work. Oh and the exam is free so if nothing else you get a full check up!