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SCENARIO 1:

INSURANCE TYPE

Variable life insurance

HOW MUCH

$10/month 250K policy

EXPLANATIONS

As I am a young man and single and as a result I am more "at risk" than the average person statistically.

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When should you get LTC insurance

Technically speaking right when you are born. HOWEVER as soon as you are financially ready to get one you should as they are expensive.

What types are covered?

There are a variety of types of LTC's so that the vast majority of people can find one to fit their situation.

Individual plans

Employer-sponsored plans

Plans offered by organizations

State partnership programs

Joint policies

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Who needs it?
Long-term disability insurance replaces your income for a longer period of time. but many policies will continue paying benefits until age 65 or 67 as long as you continue to be disabled.

My 5 examples

Arthritis,

Back pain,

Heart disease

Cancer

Depression

The 5 different types

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Evaluations:
When it comes to life insurance there are factors that can impact the money that I can be granted.

Age (Some age groups are more "at risk " than others and receive less money)

Gender (males receive less money than girls)

Health (are you overweight, cancer etc..)

Lifestyle (smoking drug abuse etc..)

Family medical history (Does your family have hereditary health problems)

Driving record (Poor drivers aren't able to receive as much as good drivers)

The Bottom Line

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As a single person just starting out on on your own.  I would only need a minimal amount of life insurance.

My human life:  My human life is immeasurable in terms of worth. however depending on my status in life and a variety of factors is can be placed on a number value to insurance companies.