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If you are single and just starting your job than my guess is you are young. It makes very good sense to buy a perm policy now while the cost is the lowest it will ever be and you are most likely healthy. Planned properly you will not regret it. As far as term insurance goes, if your company offers it, take it. You will most likely not find it for less elsewhere unless what they offer is Colonial, Aflak or Combined. The real answer is given by you, Do you have any debt? Are you a person of good Character? 4lifeguild

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Q: Do you need life insurance if you are single and just starting your first job that pays OK?
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