Late 20s, no wife, no kids. One student loan secured by property that is not mine, but I have a (forced) credit life policy (and loan is mostly amortized anyway). I do have a Variable Universal Life policy but for now I just use it for investment purposes (for the tax benefits - hope to accumulate some cash value in there for retirement). I also have Group Life / Group AD
&D (around 1x salary) through my employer, but this time around I did not choose the supplemental coverage since I already have the death benefit VUL policy which I don't need anyway. A while back I was in the market for a Long-Term Care policy, but the LTC market is so messed up right now (so many carriers taking major losses and discontinuing the product) that I can't justify it for someone my age.
Out of curiosity, as an aside - my clients are all insurance companies (mostly life, but also P&C) so I have been trying to learn a bit more about the "mechanics" of the several types of products (cash-flows, GAAP and stat accounting, etc.). I tried looking for "Actuarial analysis for dummies" on Amazon but apparently that book does not exist. Do you know of any books / other materials that do a good job of explaining how that works (something not too technical but also not too dumbed down)? Thanks.