Going through the Permit to Report package and was wondering what the general consensus is on the life insurance offered. an earlier seach on the forum seems to support it but here are some other factors that apply to DS that might warrant another thought. DS is 18 and single. no dependents and no need for his parents to benefit. cost to DS is $27 per month. so why have him spend the 27 per month when I think he can sign up later (say after graduation) or when he has a dependant. And he will need to prove his health at that time, but so do I when I get a new term policy. I'd say that perhaps the best reason is the add-on to cover Traumatic Injury payments. Thoughts?