Edward: You just graduated college, you’re a few years out. I guarantee you have college loans. Most cases a parent or someone has signed off as a co-signer for that loan. If you were to pass, who is going to be responsible for that loan? Probably your family. You don’t want to burden them with that. Securing life insurance at that age is very affordable, because usually it depends on health, but if you’re 20-something in great health, you are going to qualify for our best rates and that’s going to be very affordable.