I guess I'm still pretty young and I've never actually thought about a life insurance rate, well life insurance at all really.I don't, I'm sure it would help my family out in that kind of time, but it really hasn't crossed my mind at the age I'm at, I'd be more inclined to set up a high interest savings account, that way I'm in control of it and I can call on it at any time, problem is I'm bad a saving.