I am sifting through son's paperwork. Boy is he gonna have fun filling it all out. Question on the life insurance for current cadets or their parents...did any of you decline the coverage? If so, why? And, what cost is there to the cadets for the 400k policy? I couldn't find anything on cost in the packet of forms. Right now, with no liabilities or family to support, does he really need this coverage? Thanks in advance for the input!