I know a lot of you won't be thinking about grown up things like life cover for a while yet, but if any of you are thinking about starting a family or are maybe already there, its a vital thing to think about.
You can get a lot of life quotes online or by talking directly to insurers to find the one that's best for you.
See if your chosen insurers have critical illness cover and make sure it includes cover for illnesses that have cropped up in your family history, sometimes they will exclude certain illnesses or diseases in the small print.
Sometimes you can get deals by combining your life insurance with your home ormotor insurance, so see if you can get it all under one roof. However, insurers don't tend to give you discounts for loyalty, so sometimes it's better the jump ship and make the most of new deals.
Photo: Tek F (Flickr)
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