Exactly. Just in case I don't perform the Four Engine Flameout Boldface in time, I want the wife and baby(on the way) to have sufficient funds to live on. Never underestimate how much you need or may need in the future. I have no problem paying the yearly premium, it means I made it through another year! For the younger and single dudes, it may seem like a waste of money, but I would look into getting a policy asap. You can save some serious coin by locking in when you are young. You never know when a health problem might make you ineligible for coverage. My 6.9 cents, FWIW.