re: Life insurance questions\advice

Life insurance through work is great because it's the cheapest you'll find but make sure you know what you have with them. 90% of the time you are just a certificate holder and can't take the policy with you when you leave. You may not be insurable at that time. Also, several companies will eliminate the group life benefit if cutbacks are needed. Again, you may not be insurance at that time.

Also, a lot of times they are just accidental death policies. Most deaths are critical illness vs accidental deaths.

If $200 isn't in your budget get as much as you can now and re-evaluate in the future. Don't put it off...you're as young and as healthy as you'll ever be.